BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Not sure I have the exact dates above. Recently after the loss of my older sister I have come on very hard times financially. I have tried several sources for loans however I am at a low credit score and high DTI. But I have come across help from a totally different lender who may be able to help. The only roadblock I've run into is this loan with First National Bank which I was late for the first time even last month, ( XXXX ). Now they have it marked as 30 days late and the lender I was speaking with told me he needed 12 months with no latenesses, I called FNB to see if they could reverse that and was told no. I have another payment coming up which will then make it probably 60 days late. I have been waiting for my Property Tax Rebate that was due XX/XX/XXXX, and it still isn't here. This " 30 days late '' is now causing me to be unable to get the equity I need to pay off these bills to get back on track. There are banks who will reverse this but this one claims not to and puts me in an even worse position. I had advised them all along I would be late since XXXX and was never late previously. I need this loan desperately. My sister and I always helped each other out and now I have no one. I am trying to do everything I can to resolve and keep running into this ridiculous red tape. This is completely unfair. I have had to come to you for help previously and only once did you go in my favor when XXXX XXXX was XXXX. I'm smothering all because of this and I at least contacted all my creditors. I requested a call back from a XXXX for today, XX/XX/XXXX, but no call so far today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: ALLY FINANCIAL INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ally financial is providing incorrect loan date on my consumer reports. I opened a vehicle loan on XXXXXXXX XXXX on a XXXX XXXX XXXX Ally financial is reporting the loan as opened on XXXX XXXX which is completely false. I have reached out to Ally Financial several times in XXXX about this matter. each time they have told me a supervisor would reach back out to me within 48 hours. I have yet to recieve a call back from anyone regarding this matter. All phone calls are recoreded. and the only paperwork i have recieved is a payment breakdown regarding this matter.

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 2023-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following accounts XXXX XXXX XXXX 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 2023-12-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : 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 2023-09-05
Company: EQUIFAX, INC.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: IN
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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report. 

Negative Accounts XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX  Account XXXX : XXXX XXXX. XXXX & XXXX XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: NY
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. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
These events take place within the last 8 days and is still ongoing : XX/XX/2023, and XX/XX/2023. 

My Chime account was " suspended '' on XX/XX/2023 for suspicious activity after depositing my XXXX US Federal Income Tax Return. Upon this realization the following day, XX/XX/2023, and after speaking with customer service I was instructed to email a list of documents to prove my identity and the legitimacy of the deposit as well as an explanation for the deposit. 

I have since spoken to customer service twice in the last week, given support ticket # XXXX, and have sent the following documents ( for which I have received no confirmation of receipt ) : 1 - Medical Bill ( Proof of Address ) 2 - Government Issued Photo ID ( Drivers license ) 3 - Photo of me holding physical ID 4- United States Passport 5- Letter from IRS to me, stating Tax Refund amount that was deposited 6- Letter from IRS to my spouse, stating Tax Refund amount that was deposited On all 3 occasions after contacting customer service, I was told that I would receive notice of a review being completed within 24-48 hours. It has been 96 hours since the first time I was told that. The last time that I spoke with customer service, yesterday, I was again told that I would receive notice within 24-48 hours.

It has been 8 days since access to my account and primary source of funds was suddenly terminated. This has obviously created an emergency situation for myself and my family, and I am desperately seeking assistance to resolve this problem. I have complied with everything Chime has asked of me with patience and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I was informed by XXXX on XX/XX/XXXX XXXX acct number XXXX with XXXX XXXX  XXXX was deleted from my credit report. 
I have now realized this same item was Reinserted onto my credit report! 
In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.CS1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for that purpose, by any means available to the agency I have received no such Notification, this is a serious violation of the of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA!

I demand that you immediately Delete this account from my credit report to avoid legal action, I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: GA
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 sent a letter to all 3 credit agencies XXXX XXXX asking them to provide the date of delinquency for an old XXXX XXXX account. I asked them to provide this information because XXXX XXXX XXXX is showing a recent delinquency ( {$3400.00} ) for that same account in XXXX. In essence, they have re-aged the debt which is illegal. 

XXXX provided a date of first delinquency in XXXX. The account was opened in XXXX. However, they are still allowing the Collection Agency to reflect a more current date. Experian and XXXX did not provide me with the first date of delinquency, rather they are just reflecting the incorrect date from XXXX XXXX XXXX. XXXX XXXX XXXX has not responded to my inquiries. 

Essentially, re-aging an account means that a debt states differently than the original date of the first debt. If there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ). 
I want this re-aged debt entry removed from my 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 2023-09-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 for the fourth time, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-21
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I sent letter to SLS Dispute department to inquire details of the 2nd mortgage that I previously had with XXXX XXXX. They are charging me an interest amounting to {$160000.00} on top of the original loan of only {$170000.00} which has a principal balance of {$170000.00}. I needed so sell the house and pay the {$330000.00} to release the lien on the property. I wanted to know why and how did they calculate the interest of XXXX and what interest rate they used. when was the loan transferred to SLS from realtime solutions and from XXXX. Why is the interest almost amounts to the original loan. I will attach a copy of the letter that I sent them,

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 2020-07-31
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I received a credit alert from my XXXX Credit report. The report stated that a collection amount of XXXX dollars was owed to CMRE Collections. I called XXXX at XXXX CMRE today XX/XX/2020 and asked her about this debt from account XXXX. I asked her name she Stated it was XXXX. I gave the person my name and phone number, so she could look up the bill. XXXX stated that she could not find my name anywhere in her system or any bill that I allegedly owed. She asked me for my social security number, I told her that I feel uncomfortable giving her that. I called CMRE collection at XXXX. I informed her that I was sick from XXXX and I had no knowledge of this account. She thought that was funny and tried asking how long I had it, She was very unprofessional. I asked to for the legal department of CMRE she refused to give me any contact info. Under account information on my credit it states collection Department/ Agency/ attorney. Makes me belief that they work for a federal agency. In Conclusion I contacted CMRE to dispute this debt allegedly owed. I also told her that I was sick with XXXX and I work for the USPS and I have federal Insurance and I pay my bills. I contracted covid -19 while employed all my medical are being paid. I feel very distrusting towards CMRE rep when she asked me for my social security number and physical address.She stated her office was in California. I asked for her legal and the attorney that represents them. She refused to give me any information or any phone numbers of their legal office. She was very disrespectful in asking me personal questions about my XXXX, I her a laughter in her voice when I explain how XXXX I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be removed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: MA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed accounts on my credit reports that were not mine. And the credit bureaus will not accept my dispute. These are the accounts they will not remove : 1 ) Capital One Bank USA N- {$300.00} Charge off accounts 2 ) XX/XX/XXXX {$300.00} charge off account 3 ) XX/XX/XXXXXXXX XXXX {$33000.00} late payment account 4 ) XX/XX/XXXX XXXX XXXX XXXX {$520.00} charge - off account 5 ) XX/XX/XXXXXXXX XXXX {$260.00} charge-off account 6 ) XX/XX/XXXX - {$910.00} collection account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: CA
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Fairway Independent Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Fairway Mortgage about a XXXX forbearance on XX/XX/2023 and I was told the representative couldn't help me and I got a call back from management and they wouldn't put me onto forbearance. I was down to my last dollar and the issue was that the roof was damage with siding and I didn't have funds to fix it. I have a tenant in place that I reduced their rent for and just a matter of time when they will leave and the unit will be vacant and I can't find a renter for the unit until the residence is repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2017 Pennymac sent answer regarding loan mod they approve me for fha hamp also said it was most beneficial to me I was not reviewed for partial claim or only claim or forbearance said for explanation why to see exhibit two which only stated this section doesn't apply no other explanation

Company response to consumer: Closed with explanation