BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
Company: PENNYMAC LOAN SERVICES, LLC.
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 status incorrect

Complaint:
I have a real estate mortgage loan from PENNYMAC LOAN SERVICES, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called PENNYMAC LOAN SERVICES and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and PENNYMAC LOAN SERVICES with no successful resolution. XXXX, XXXX, and XXXX   reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following Hard Inquiries are NOT mine and i never gave permission or authorization to pull my credit : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased my XXXX XXXX XXXXXXXX XXXX brand new on XX/XX/2020 at XXXX XXXXXXXX in XXXX, Texas. Which has now been renamed and brought out by XXXX now. The truck was {$37000.00} the total of everything was {$42000.00}. We paid a total of {$4000.00} down. 

We, are exercising our right of Rescission Pursuant to 12 CFR 1026.23 ( b ) ( 1 ), Truth In Lending Act as WE was never told WE had 3 days to rescind the transaction nor was WE given the notices that come along with all consumer credit transactions. We are rescinding the transaction, and rescinding my signature endorsement ; Furthermore, you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also named has failed to clearly & conspicuously disclose my right to rescind ; We, participated in a consumer credit contract and not a loan Pursuant to 16 CFR 433.1 ( i ), which clearly states Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. 

Take further notice that Pursuant to 12 CFR 1026.4 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law. Also, on 12 CFR 226.18, the Term Finance Charge is the dollar amount the credit will cost you ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: NY
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/2021, I sent a dispute to the credit bureaus asking them to investigate information that is being reported on my credit report. 

After XXXX  days and no response from any credit bureaus, I sent a second letter informing the bureaus that XXXX  days has passed without any information and by law the accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Regarding Chase Auto Loan XXXX. Please see my first complaint, Complaint XXXX, for more specific dates and check numbers After 6 weeks of fighting with chase for not clearing an auto loan they received and signed 3 separate checks for Chase finally cleared it and my online account showed {$0.00} balance. 

Now, as of XX/XX/22 Chase has the NERVE to hit me with a {$980.00} late fee. They received and signed for the first check on XX/XX/22 ( as shown in my first complaint ) The loan was paid IN FULL. 

Chase has been causing me absurd, undo stress for over 6 weeks with this nonsense. I'm getting so many migraines and literally shaking with frustration ; I'm losing sleep and missing work over this nonsense and harassment. 

This is all Chase 's mess. I Will never pay them for their own mistakes. If anything they should be paying me for all the stress their incompetence has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CAC Financial Corp
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report for this first time and I discovered I had someone use my identity to get medical services in the state of Alabama and Texas. I have never in my life been to either state or lived there, went to school etc. I called them and said it was not me they say its nothing they can do because the debt is in my name. How is that possible? I filed a ID Theft Affidavit from the government website. Now they are saying Im still the one who did this but its impossible. I am only XXXX years old I live in Minnesota and Im about to graduate from college. I have no reason to not pay my medical bills because Im still insured under my parents. This bill is from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Mid-Atlantic Finance Co., Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This charge off is reporting incorrectly on XXXX and XXXX so therefore it should be deleted. this is a charged off account. I have yet to be supplied with a 1099-c anf tha is in violation. on XXXX it is reporting as the following ; XX/XX/XXXX {$6600.00} Closed Overview You have 0 % left to pay on this loan. 

Balance : {$6600.00} Highest balance : Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Automobile Responsibility Individual Remarks Redeemed Or Reinstated Repossession Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Terms Count XXXX Term Source XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Current Payment Status Collection/Charge-off Amount Past Due Payment history Youve made 79 % of payments for this account on time. 

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 But on XXXX it is reporting as ; XX/XX/XXXX {$6600.00} Closed Overview You have 70 % left to pay on this loan. 

Balance : {$6600.00} Highest balance : {$9500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Automobile Responsibility Individual Remarks Unpaid Balance Reported As A Loss By Credit Grantor Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Terms Count XXXX Term Source Type Provided High Balance {$9500.00} High Credit Monthly Payment {$0.00} Current Payment Status Collection/Charge-off Amount Past Due Payment history Youve made 57 % of payments for this account on time. 

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 
why are the payment dates reporting wrong to a credit reporting agency know this will damage my credit. This looks as if someone intentionally set out to hurt me.this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent out this letter regarding my accounts with all three credit bureaus. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) To Whom It May Concern : I have just received a copy of my credit report. There are multiple accounts that are inaccurate and inconsistent between all three bureaus. Also addresses and phone numbers are not matching the information that I have already provided to you with my social security card, current license and my birth certificate. I would like an investigation done at this time. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Furthermore Im requesting these items for current debts owed if verified correctly : * pay off of debt * Interest rate disclosure * Balance history * Payment history * Credit insurance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a full credit report from the mortgage company as i told you in my last message. When i found evidence of identity theft, I discovered accounts that the credit bureaus is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. I have sent in messages, letters and even called and i feel like it keep getting pushed off. I'm going to miss my chance on getting this home for my family when all three cried bureaus know they don't have any information from me signing anything showing these accounts belong to me because they don't, One account is from some place in 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 2023-03-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for credit with XXXX XXXX XXXX through XXXX XXXX XXXX on XX/XX/2023. I was denied credit in part because my score was reported to be XXXX by Equifax according to the automobile sales company and the enclosed letter from XXXX XXXX XXXX that I received in XXXX. On the same day that I submitted my application, I checked the Equifax website which reported my score as XXXX. Additionally, I received the enclosed free credit report from Equifax that I requested as a result of the credit denial with the score showing XXXX at the time of my application. I have reached out to both companies in an attempt to resolve the discrepancy and to identify the issue that has both companies saying that my score from Equifax is different. Both companies refer me to the other company to resolve, which leaves me unable to fix the problem. I have been denied credit from other companies beside XXXX XXXX XXXX because of this same issue and would like to bring the problem to a close. Please assist me with resolving this issue and moving in the direction of resolution. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2019-06-12
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:
To whom it may concern : My identity has been stolen due to recent and pass data breaches, I have seen some accounts in my credit report that do not belong to me and I'm requesting for them to be removed from my consumer credit file, I filed and ID theft report that will be attach to this complaint please removed these account from my credit report. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
See attached documents regarding this account you are reporting me which is not mine. I want you to remove this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to the FCRA consumer law 15 U.S. code 1681 e Compliance procedures : section ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The attached account PORTFOLIO RC ( XXXX XXXX XXXX  XXXX XXXX ) XXXX Fails to report accurate information. 

The account type reports as a collection with XXXX and XXXX, but as an " open account '' with XXXX. 
The date opened for this account reports as XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XXXX. 
This account is reporting a " past due '' amount XXXX on XXXX which is illegal on a collection/charge off account. XXXX and XXXX are reporting nothing, which proves inaccuracy as well. 
This account is reporting a payment status of " late 120 days '' on XXXX which is illegal on a collection/charge off account. XXXX and XXXX are reporting collection/charge off which proves inaccuracy as well. 
This account is reporting a " last reported date '' XX/XX/XXXX on XXXX and XXXX but XX/XX/XXXX on XXXX which again proves inaccuracy. 
This account is reporting a " date last active '' of XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX which proves major inaccuracy. 

As you can confirm from the attached documents and what is stated here, there are NUMEROUS inaccuracies with this account which violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
2 XXXX money transactions were made on my savings account but were NOT authorized by me though Wells Fargo said they were. I have never used XXXX and do not know these individuals. I was victimized by these criminals and not protected by my bank of over 20 years. I am now a senior and a widow and I want and need my money. I do not even know how these scammers knew I had an account with Wells Fargo. Their security was breached and Im paying the price. Am I not protected? This began on XX/XX/2022 and is still not resolved. Please help me as I know this is fraud and I have protection under the Electronic Fund Transfer Act.

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 2021-02-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have been trying to get some negative marks off of my report, that is reported, wrongly for over a year. I have tried writing/calling, and emailing this company. when i call you get a computer, never able to speak to a human, and they don't have my ssn #, nor my address in there system, yet continue to report this information as if it's factual. Ive written all 3 bureaus numerous times, that's a complete joke. What kind of investigation are they doing, if the company doesn't have me, or my # ssn, or address in there system, what kind of information can thy get back from this company, verifying anything? But its still in my reports, a year later. The law says i was supposed to get a early warning notice, ( 15 U.S. CODE 1681n, to prevent these kinds of situations from happening, because of the " sensitive nature '', of consumers affairs, i haven't been able to purchase a house, because of this one company actions, and the bureaus who rubber stamp everything these hugh companies do. Time, energy, money, iv'e had to retain legal council, XXXX XXXX XXXX XXXX, who for over 2 weeks, couldn't reach there legal dept, sorry couldn't get anyone on the phone. CAN someone please advise me, what i can do this is, horrific, over a year.of unnecessary stress. Companies XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Several months ago Capital One placed my account in charge off status after refusing 2 payments in a row and 3 others as " never received '' even after I showed proof of payment. I refused to pay the balance due to the illegal actions of CapitalOne because I did not owe the balance which included interest tacked on from the payment refusals plus late reporting which damaged my credit and reputation. 

A couple months ago CapitalOne and I came to a payment agreement in exchange for removing all negative remarks from my credit history. The balance was paid in full as of 4 days ago and they are now refusing to remove the negative remarks from my credit history stating it is their policy not to. When I told them they made a promise AND have done so in the past AND they report on XXXX and in their advertising they do they claimed it was not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Albert Corporation
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2022, I opened a checking account online using my friend 's referral link, at Albert, a financial technology company, its Banking services is provided by XXXX Bank, Member FDIC. There're 2 issues with the referral program and I think it's because their customer onboarding system can not properly track customer 's account opening activity. Issues are as below : 1. I opened this account due to Albert 's referral program offering a referral bonus of {$150.00} to both parties. The person signing up for an account needs to complete the following requirements : Direct Deposit $ XXXX every 30 days for 90 consecutive days ; Spend $ 100+ on goods or services with the debit card every 30 days for 90 consecutive days. 
From XXXX to XXXX, I set up my employer 's payroll to Albert with $ 200+ and spent at least {$100.00} each month. However when I reached out the the customer support, they stated that I did not signed up using a referral link. However, I can find from my XXXX XXXX browser history that I actually did use a referral link. 

2. In addition, I referred 3 of my friends to join Albert, and only 2 of them were successfully confirmed by Albert that they are eligible for the referral program. Again, Albert 's customer support stated that the third person did not use my referral link. However, I sent my referral link to my friend and he used the link to join.

After several times ' communication with Albert 's customer support, they refused to confirming the eligibilities of the account opening bonus for my friend and myself.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation