BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
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:
I went to a first time home buyer class with a friend and come to find out I did not qualify because of my credit. When I sat with the loan officer she begin to tell me what I need to work on. Well the things she identified is not mine and I dont know how they even got on my report. I have contacted the FTC and my police department. I'm doing this on my own behalf. Please have these accounts taken off my credit so I can buy a home for my family.XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Upon arriving to the closing table at the XXXX XXXX XXXX , XXXX to sell my home on XX/XX/XXXX I was presented with the Seller Credit/Debit sheet, where at that time I discovered a mortgage payoff to PennyMac Loan Service, LLC consisted of a 2nd mortgage in the amount of {$78000.00} being held through the Secretary of Housing and Urban Development ( HUD ), of which I was completely unaware of prior to receiving this document. In XX/XX/XXXX I met with a bankruptcy attorney to sign paperwork to file bankruptcy, but was advised not to go through with the bankruptcy by the attorney based on the fact that both myself and the attorney were under the impression that my home held about {$80000.00} in equity and was therefore given the option to either sell my home to access the equity and pay off debt that accumulated from an extended period of lack of work or work with debt companies to slowly pay off over time. I contacted my mortgage company on two separate occasions prior to deciding to sell my home for mortgage payoff information and was NEVER provided any information or details into the now apparent 2nd mortgage that occurred from 2 previous loan modifications done in XXXX and XXXX and subsequently was never provided with any information or details of this 2nd mortgage throughout the entire duration of the existence of said 2nd mortgage, to include, but not limited to, statements ( paper or electronic ), online mortgage account access, or phone correspondences between myself and my mortgage company, PennyMac USA. As a result of this complete lack of information and/or visibility into the said 2nd mortgage loan multiple financial " damages '' were incurred. I am therefore submitting this complaint against PennyMac Loan Services , LLC and/or the Secretary of Housing and Urban Development ( HUD ) for gross neglect and negligence on their part to disclose information and/or any and all details of the 2nd mortgage with regard to the full amount ( s ) owed, as well as, rate ( s ) of interest being accrued, penalty and payoff information, at any time during the existence/course of the 2nd mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: EQUIFAX, INC.
State: CA
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:
Four years now Equifax has failed to report accurate payment information from the Department of Child support services. I realize they are not involved in the case and could take into account XXXX credits but these accounts closed it paid off in addition they have been closed by the mother more than a year and a half ago. I have paid the entire balance and continue to pay three times the allotted amount of child support to the mother, I have been the current custodial parent since XX/XX/2013 And Equifaxa negligence has For the past five years caused us as a family the worst amount of emotional distress you could ever imagine and its now odviously intentional. Theyre reporting does not match up with other bureaus is far off and makes me look like one of the largest their lips thats preventing me from getting the job to provide for my current XXXX XXXX, the XXXX XXXX XXXX and the XXXX XXXX I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I did a Wire transfer in Bank of America, they called me about security alert and I told them Yes I did the transfer, but I called them in order to cancel it, I ve been calling several time, an anyone is able to help me. The amount is XXXX usd.

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 2019-01-27
Company: Diversified Consultants, Inc.
State: OH
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:
Received a letter from XXXX about breach at XXXX XXXX and that I had free credit monitoring. While looking over my credit report there was two accounts in collections with Diversified Consultant ( XXXX ) XXXX. One was for XXXX alert date XX/XX/XXXX and the other was for XXXX alert dateXX/XX/XXXX and I am not in the rear on any of my bills and do not believe these should be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: TX
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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2020-12-14
Company: Experian Information Solutions Inc.
State: IL
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER ''.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 hope this letter finds you well. I am writing to address and rectify billing errors that I recently discovered upon reviewing my credit report, which appear to be in violation of the United States Code Law, specifically TILA 15 U.S. Code 1666 ( b ) regarding billing errors.

Upon a detailed examination, the billing errors fall under the following categories specified in 15 U.S. Code 1666 ( b ) : ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

I have noted discrepancies in the reporting of payments made and other accounting matters on my credit report, specifically related to the following accounts : DEPT OF ED/XXXX  Account Number : XXXX Late Payment Dates : XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Late Payment Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX As per my understanding of the law, the creditor is required to provide a statement at least 21 days before any payment due date. Failure to do so would render any late payment charges invalid. I am requesting hard, verifiable evidence from your records that supports the assertion that I did not make timely payments, resulting in the reported late payment status. 

I urge you to promptly rectify these errors on my consumer report by updating the aforementioned accounts to " paid as agreed. '' If these corrections are not made immediately, I am prepared to exercise my rights under 15 USC 1681n civil liability. This may involve seeking monetary compensation through legal channels, including small claims court in my city and state. 

To ensure that this matter is properly addressed, I have already submitted a complaint through the Complaint portal of the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

I anticipate your swift attention to this matter and a resolution that upholds the principles outlined in the applicable laws.

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 2023-04-11
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$64000.00} ; XXXX XXXX XXXXXXXX Balance : {$370000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : -.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an account on my credit report that has a balance of {$25000.00} which is a medical debt from 2019. This debt has been in my credit report for a while and since the company ( AARGON AGENCY ) reported that on my credit I started disputing it, because this does not looks like an account that is mine, I have been asking for validation of debt, but they did not answer to any of my letters. Three month ago they sent me a letter providing information on the account, based on the letter, I was hospitalized for five months with is not true, because I have never been in the hospital for more that 4 days, attached to this complaint will be the letter I received.

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 2020-12-13
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On the XX/XX/XXXX, I reached out to Chase in an attempt to raise my credit limit and upon reviewing my credit through XXXX, they denied me under the claim I have " too many installment loans other than mortgage, automobile, or student loans ''. 

Firstly, I only have 2, one of which will be paid in full on Monday, XX/XX/2020. Secondly, I have a XXXX credit score and have had this card for nearly 2 years. Due to this, I'm concerned that this rejection is an error and possibly an issue of discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a new washer and dryer from XXXX XXXX in XXXX Texas. I was issued a Visa Debit/Reward Card for {$320.00}. I was able to spend approximately half the funds before the card would not work. On XX/XX/2020 I called Bank of America credit card reward department and was told my card expired at end of XXXX and the balance on the card was lost. 
I do not feel Bank of America should get to keep the expired funds approximately $ XXXX {$200.00}. I was mailed the card, so Bank of America has my mailing address as well as my email address to notify me of pending expiration. 

I feel Bank of America should extend the period or because they have the ability to discourage the use of the card until the end of the expiration period. This is another way they can create a profit center. 

call me for questions XXXX XXXX XXXX or email 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 2022-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
I have a Capital One Quicksilver credit card that was replaced due to signs of fraud. A new card number was issued and the old card number was cancelled. As any normal person would do, I assumed all transactions to this old card would be rejected and the merchant would notify me for alternate payment in this case. An old subscription later tried charging the old card number for {$840.00} on XX/XX/XXXX. Instead of rejecting the transaction as would have been appropriate, the transaction successfully cleared. When I called to question them on why this happened, Capital One told me they or XXXX ( all the same from my perspective ) supplied my new credit card information to the merchant without my permission or even notifying me. I filed a dispute, but this only triggered the merchant to submit whatever they had to say they wanted to file a transaction and did not address the root of the issue that Capital One is supplying my credit card information without my permission, which they claim is normal behavior despite the fact that it benefits only them and works to my detriment and means I have no control over who can charge old card numbers. They have reinstated the {$840.00} charge and determined it to be my responsibility. I will pay it only so that I can close the card and end further potential charges from the old card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: SACOR FINANCIAL, INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Around XXXX I opened an I had an account with XXXX XXXX ( XXXX ). The original amount was {$1800.00} for the purchase of a computer at 26 % interest. 
They sold the account to another company, which name I don't recall. That company subsequently sold the account to Sacor Financial. 
In around XXXX. Sacor contacted me over the phone and advised me that I owed them {$3800.00} on said debt. At that time I agreed to make a payment arrangement of {$40.00} Monthly. After that I called them multiple times over the years to ask how much I owed and for them to send me statements by mail. However, I was told that they didn't ; have to send me any statements. 
Recently, I contacted them because I wanted to pay-off my bill. Consequently I received a letter from them, just stating that I owed them {$14000.00}. When I called them and asked them how could that be possible, They told me that it was due to accumulation of interest. 
I then requested a breakdown and the account Representative didn't know how much did I owed when they bought the debt. They told me that they did not have that information. They bluntly told me that I owed them {$14000.00}, They took my payment of {$40.00} a month for ten years totaling {$4800.00}. Where did that money went. I am willing to pay the correct amount and that is the correct amount.

I hope you can help me on this matter there are many consumer in the internet ( website review ), which are having the same problem with Sacor. 
Can you help me on this please. or do you recommend for me to hire an attorney to deal with this company. 
I hope to hear from you soon Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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