BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: GreenSky, LLC
State: MD
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:
I paid off Greensky loan balance of {$860.00} on XX/XX/2022. They received their funds and confirmed this by mailing a XXXX balance statement to me. However, they are refusing to update my credit report with this information. Instead they chose not to provide payment status since XXXX. I have reached out to them, they response was thar it will be done but it hasnt. I filed multiple disputes with all 3 credit bureaus, to my surprise XXXX and XXXX XXXX claimed to have investigated, and came back to report that the account balance is correct, and that I still owe them. I even uploaded Greensky XX/XX/2022 statement showing XXXX balance. I have also call them about their investigation results, and still got no where with this. 
Greensky is engaging in predatory lending practices. How are they allowed to take peoples money and then choose not to report accurate information? If I was owning them and not paying my bills, they would be swift to report and credit bureaus will be quick to update my report. This time is different, I paid them off and they are choosing to not provide accurate information. Arent they all violating FCRA? I can only imagine how many others that are going through the same thing. This needs to be fixed asap. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a pennymac home loan. I lost my job in XXXX and was diagnosed with XXXX XXXX in late XXXX to early XXXX. I have made calls to the loan service department and the escalation departments of pennymac ; in excess of 40 calls to try and save my home from foreclosure. 

Despite my request for loan modification process XXXX 2019, calls on my behalf by the veteran affair mortgage assistance beginning in XXXX to current. I was denied the modification in XXXX  2019.  The veterans affair representative advised me to petion for the VA foregiveness program offered to all veteran home loans. The forgiveness program was denied by Pennymac, even at the request of the VA loan representative. Payments made to Pennymac in the amount of {$580.00} were not applied to my loan but were being  held in a suspense account. 

Pennymac was still unwiling to work with me after the denied loan modification and the VA loan forgiveness program. 

With no recourse I was forced to list of my home for sale on XX/XX/19. Pennymac refused to halt forclosure proceedings even though my house was up for sale. 

After borrowing money for various relatives I was able to wire {$4800.00} on XX/XX/19 as requested by pennymac letter date XX/XX/2019. Pennymac has continuously refused to halt the foreclosure processing even though my loan is now current. Instead they have charged an additional {$4000.00} for legal processing fees. Unless someone intercedes on my behalf I fear the loss of my home. 

I am seeking help with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: WELLS FARGO & COMPANY
State: TX
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:
Dear CFPB, I am writing to lodge a heartfelt complaint against Wells Fargo Bank for their mismanagement and disregard of regulatory authorities and customer grievances. I have previously filed seven formal complaints, providing my real name, but the bank not only failed to acknowledge their mistakes but also responded by stating that I hadnt provided sufficient information to initiate a dispute resolution. On XX/XX/XXXX at XXXX XXXX, in a conversation lasting 40 minutes ( I have recorded evidence ), I once again contacted Wells Fargo and provided all the necessary information regarding four transactions as requested. The banker assured me that I didnt need to make any payments during the dispute process and that my case had been submitted for resolution ( I have the recording as evidence ). To my astonishment, Wells Fargo bank harassed me with three consecutive phone calls tonight, asking for the same information. I informed them that I had already provided the required information just yesterday, and offered to play the recording for them. However, the bank insisted that I return goods from three months ago before they could proceed. What level of professionalism is this? Who should I return goods to after three months? Where is the return label? How can the seller accept a return? Is Wells Fargo playing a joke? Hahaha! I urge the CFPB to intervene with stronger regulatory measures. This bank has gone completely insane. They are better suited for comedy than handling banking affairs. Please enforce strict oversight to prevent this bank from causing further harm or going bankrupt, which would affect more people. Thank you. Sincerely

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 2022-01-31
Company: Professional Recovery Management
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Fox Collection Center is showing on my credit report for a medical bill. Fox never attempted to contact me and never reached out regarding this debt. I never agreed to any amount being owed to Fox Collection nor did I enter into any contract with Fox Collection Center.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
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:
On XX/XX/2023 The Credit Bureaus stated XXXX XXXX XXXX XXXXXXXX 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 is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 3 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 and are listed on my credit report XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX  Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$150.00}

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 2023-06-07
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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}, XXXXT XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$9200.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXK XXXX XXXX  ) XXXX Balance : {$600.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXX XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$1500.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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:
This is my third time challenging this company to remove the collection on my Credit report. 

Additionally, I have requested for them to send me the information that the seller is providing them to determine that this is in fact me. I need DOCUMENTS. How is it that that are staying that they are verifying that it is me w/o providing me with the proper documentation to prove it is me. Ive sent in everything theyve required. I need for this company to send me the info they have in file ( all records ) indicating that this account belongs to me. If they arent willing to provide me with documentation, I need to see what they are using to verify it is me. 

Please Advise!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: AL
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 provided a letter from the courts indicating they do not verify or validate bankruptcy, yet XXXX keeps sending a notice to the CFPB indicating the bankruptcy has been verified.

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 2020-07-25
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
By letter dated XX/XX/XXXX enclosed hereto as Exhibit " A '', XXXX XXXX ( " XXXX '' ) and PHH Mortgage Services ( " PHH '' ) continue to falsely imply that I defaulted on my mortgage loan as of XX/XX/XXXX, and continue to pursue an illegal foreclosure by falsely declaring the same, when at all relevant times : said claims of default in your communication and set forth within pleadings filed in Docket No. : XXXX contradict the claims of default as of XX/XX/XXXX made in Docket No. : XXXX, a true copy of the latter is attached hereto as Exhibit B ; said claims falsely imply that payments were made towards the subject account number from XX/XX/XXXX through XX/XX/XXXX ; and said claims deceptively conceal approximately $ XXXX in payments that I tendered for the months due XX/XX/XXXX through XX/XX/XXXX with approximately $ XXXX being cashed by PHH 's predecessor, true copies of which are enclosed hereto as Exhibit C. 

Furthermore, the foregoing parties along with their co-conspirator XXXX XXXX XXXX ( " XXXX   XXXX '' ) are willfully refusing to answer and provide the information demanded by communications dating back to the end of XXXX to present date, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

Lastly, XXXX and PHH are withholding and not providing me with a monthly statement for my mortgage loan for the payment due as of XX/XX/XXXX. 
In closing, the conduct set forth above constitutes continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the U.S. District Court for the XXXX XXXX XXXX on XX/XX/XXXX in Case No. XXXX and Case No. XXXX on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
in XXXX, My dad fell for a credit card stacking scam from a company called XXXX  XXXX XXXX, which the FTC shut down in XXXX for the credit card stacking scam. He forced me to sign an agreement with XXXX XXXX to obtain business credit. 

UNBEKNOWNST to us, XXXX XXXX  and XXXX XXXX LIED and misrepresented themselves. XXXX XXXX  applied for PERSONAL credit cards after INFLATING my income. My gullible father, a senior citizen, never received a copy of the application. XXXX XXXX  applied for multiple credit cards in my name without my knowledge. I DID NOT apply for ANY card on my own. I have no idea what information they wrote in the applications. My dad was named an authorized user according to Barclays. 

My dad made payments on all cards until XXXX when all of a sudden he wasn't able to do so. My credit was ruined as a result of this scam. I have spent YEARS settling with some of the companies. XXXX XXXX did a real investigation and found evidence of fraud. 

Barclays alleges that I lived in North Carolina and since end of XXXX, I have been disputing this as well as the fact that this card was even mine to begin with. I only discovered the scam at the end of XXXX. I was not even aware that they had a XXXX phone number for me until just a few months ago. I have sent multiple letters and have been working with a credit repair company since XX/XX/XXXX. I have sent multiple letters for the past several months. Barclays claims it is investigating yet no one is able to answer my questions as to why they continuously report a North Carolina address to the credit bureaus or why they claim my dad was an authorized user when I didn't even apply for this card. Barclays ' response is to send me automatic generated letters claiming they did an investigation with no evidence of an investigation. Barclays has yet to prove how they verified my address and income during the application process when a true verification would have confirmed that the income and employment information was inflated and false. It is clear to me that Barclays did not verify any information during the application approval process and I suspect strongly that Barclays, along with XXXX, XXXX  XXXX XXXX and other banks that XXXX XXXX applied for cards with, received some form of kickback from XXXX XXXX  for automatically approving applications without verifying the information. True due diligence would have confirmed that I was living in NJ at the time and working in XXXX and that my income could not possibly have qualified me for a {$15000.00} credit card let alone over {$90000.00} as the email from XXXX shows XXXX Barclays can't seem to prove where they are getting their information from.

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 2022-01-31
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 am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I'm disputing on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
I've tried submitting my documents several times but the bureaus seem to be ignoring my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX  XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX, XXXX XXXX Trans Union 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 credit reporting agency can not furnish a account without my written instructions.

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 2022-06-17
Company: EQUIFAX, INC.
State: IL
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 Reporting Credit Act : XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights under 15 U.S.C.1681b ( a ) ( 2 ) which state any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer whom it relates and I never gave written consent to have this information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: GA
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX 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 explanation