BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: Bread Financial Holdings, Inc.
State: ID
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 valid charges totaling {$120.00} with Comentity. I called to make a payment and ask for a {$29.00} fee reversal. I was advised they would credit {$15.00} and I gave them my account info to pay {$68.00} which included interest charges. I was advised the remaining full balance was approx. {$130.00}- they could not give me an exact amount. So I went online with my bank and XX/XX/XXXX {$130.00} was taken from my account. On XX/XX/XXXX {$130.00} was returned. When I called Comenity they said it was an incorrect account number, I asked them to reapply the payment. They said they would research it and sent me a letter and said not to pay the acct in the interim. Now my bill is {$190.00} and my credit reports are showing me past due. I just want to pay the {$120.00} and no more than one fee. This is unreasonable. You can not get thru to either Comenity bank phone number -- they tell you at each prompt, that you have reached an unworking number, you can only go into their pay by phone feature where they force you to say you can not pay zero, or you can not move forward in the system. This is UNETHICAL!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have repeatedly contacted PennyMac requesting an explanation for inaccurate info listed on past payment breakdown sheet and mortgage statement. PennyMac will simply not respond and furthermore can not explain why they are showing XXXX in fees on the past payment breakdown and XXXX fees on my mortgage statement. 

Please be advised that the XXXX is actually escrow and the XXXX is actually a refund from this past XXXX when a double payment was mistakenly made. This inaccurate reporting of information is making it impossible for me to get a Home Equity Line of credit through XXXX XXXX 

PennyMac has refused to give me a letter of explanation to give to the bank and has refused to correct information on their part. 
Instead, they tell me that I can just get a HELOC through PennyMac. Sadly, I think this is being done on purpose and I am greatly concerned as the numbers, per XXXX XXXX, do not add up correctly when looking at past payment breakdown sheet. Please help me get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: MO
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:
There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Equifax an identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Equifax sent a letter stating this block was an error. It was not. Equifax has violated my consumer rights. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax permission to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within 30 days, I will pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: Rent Recovery Solutions
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX O You are in Direct Violation Of The Fair Credit Reporting Act ( RentreCoverySoulutions ), Has violated several of my rights. 15U.S.C 1681 Section 2 ; It states a consumer reporting agency can not furnish an account without my written instructions. 15U.S.C 1666B ; A creditor may not treat a payment on a credit card plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: The CMI Group, Inc.
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 address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: National Credit Systems,Inc.
State: NV
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:
I am a victim of identity theft and have filed a FTC report and police report and notified every accounts company that was opened fraudently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been made aware that Bank of America continues to violate my consumer rights excessively! I have had multiple encounters with Bank of America and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation! I did not give my consent or authorize them to furnish my nonpublic personal information! This behavior constitutes dead-right fraud and violates consumer protection laws. Bank of America has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous CALLS, EMAILS ETC constitutes HARASSMENT AND ABUSE, which is also a violation of the law. Per the FDCPA, it is a {$1000.00} fee per violation! Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a XXXX prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. Account Number : 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 2022-05-24
Company: Experian Information Solutions 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 XXXX XXXX XXXX Pennsylvania has violated my rights. 

15 U.S.C 1681 section 602 A ; States I have the to privacy.

15 U.S.C 1681 section 602 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Bonneville Billing and Collections
State: ID
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Not sure if I am contacting the correct place. 

Several years ago we had to file for bankruptcy. Almost 7 years ago and it still plagues me with my credit as a result. Why was my bankruptcy special? Because of medical issues - XXXX XXXX and XXXX. Then another XXXX XXXX followed by a XXXX XXXX. Since our bill could never been paid in my life we filed bankruptcy. There was NOT ONE of the bills was due to our money management and no creditors other than medical was reported. All our bills were current so nothing to write off except medical. The records will bear this out. Just applied to XXXX for a credit card and my bankruptcy was a declining factor. 

Then there is XXXX or a collection agency - like XXXX? For over a year I had paid them monthly and then I received a collection notice. Why? My records showed up as paid in full. After months of complaining that their records were incorrect and to stop having the collection agency disturb us. It was not resolved until my wife took my records and confronted them wanting to know where these payments went? The end of the story is that their bookeeping had been applying my payments to someone else account. Now I was upset because we wanted to buy a home and their reporting prevented it. XXXX XXXX sent me a letter of apology and told the collection company to quit reporting, that it was a mistake. For some unknown reason they have been reporting this for years incorrectly. 

Both of these are not reflecting properly and the reporting credit agency needs to fix XXXX mistake. Seems I heard that when a debt is turned over to a collection agency wrongfully they are required to fix it. 

Why am I complaining about this now? My credit should not have any issues when this is fixed and at XXXX years old I want to see my credit score adjusted properly before I am gone. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello, i have problems to open a new account, i gave my personal information and bank info for a loan that i apply to a fraudster by mistake on XXXX XXXX So the bank send me a text message that they will close my account for suspicious activity and to protect my account from frauds. 
Because i gave my ssn, address and ID State to a loan scammer as ( quick funding available ) And also after that I been receiving a lot of emails junks of offers from scam everyday

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: BANCO POPULAR DE PUERTO RICO
State: PR
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:
HI : Mi name is Ms XXXX XXXX. XXXX XXXX married my husband XXXX XXXX during a credit background check on XX/XX/2018 to get our first house noticed an unauthorized account from the financial institution XXXX XXXX XXXX XXXX from my credit report, my husband in my name summit a claim with my authorization to the federal trade commission for identity theft problem, because i dont speak or write in English, just for my safeguard. 

The claim with the ( report number XXXX ) was made on XX/XX/2018, on XX/XX/2018 my husband and i went to the financial institution XXXX XXXX XXXX XXXX, we explain the institution the problem with the ( account number XXXX ), the institution after checking that account information they said the account number is it an old one that the updated or new account is ( XXXX ), they said the information in reference is it from my mothers and fathers not my, they said the house was foreclosure, we let then know the house was never on foreclose not before or after it was properly sale to my son in law, we let then know why the ( account number XXXX ) it is on my credit report as foreclosure, they said it was a mistake during the process, because my mothers name is ( XXXX XXXX XXXX XXXX and my is XXXX XXXX XXXX XXXX ), with different social security number, we let then know that excuse do not make sense for us, that was their explanation, after that they said they will begin with the investigation, about the issue, but they do not gave us any documentation about when they will fix the problem or how or when they will remove the information from my credit report an fix my credit report or even make a claim hard copied report to us. 

This issue has greatly affected my husband an myself to get our first house using his VA voucher or Certificate of Eligibility, he is a retired service connected veteran and thanks to the financial institution XXXX XXXX XXXX XXXX an their error on my credit report we can not, until the financial institution XXXX XXXX XXXX XXXX fix it, the only thing we wants is the proper documentation about the full problem and how and when they will fix and remove it from my credit report so we can start the search for our first new house, Thank you for you assistant an hopping you can do something for us ...

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 2022-12-03
Company: EQUIFAX, 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:
On XXXX XXXX XXXX  I contacted Equifax about the following negative accounts XXXX  ( Date Opened : XXXX XXXX XXXX Balance : {$550.00} ), Not Mine Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$120.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$140.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$140.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$140.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX Balance {$140.00} ), XXXX XXXX ( AccountNumber XXXX, Open Date XX/XX/XXXX, Highest Balance : {$720.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Allegiant Capital Recovery LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Allegiant Capital Recovery attempted to collect on a debt that they were not entitled to collect on. The company my debt is with had withdrawn the debt from their company 2 months ago because of their harassment towards me. They have continued to call me and berate me while threatening to sue me for {$5000.00} which is nowhere near the amount I owe. They have verbally harassed me and tried to get money out of me that they are not entitled to. They are a disgusting company who should cease to exist.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX and XX/XX/XXXX I applied for two separate credit products ( XXXX XXXX and XXXX ). Both were denied due to " not being able to access Equifax credit report/no data returned ). 

This is the fifth time I have experienced this issue. Equifax has eventually resolved it in the past, but it has happened yet again. I have no security or fraud freezes on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: IN
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:
My loan was PAID IN FULL mid-XXXX and account closed with supporting documentation XXXX XXXX XXXX  Yet again, it has is been reported as a NEW ACCOUNT and DROPPED MY SCORE! The balance of {$470.00} is still showing as owed which could soon be shown as a collection account. XXXX XXXX  has moved YET AGAIN BEFORE the 3 major credit reporting agencies although they claim they pull their information from them. ( Yeah, Right! ). My scores with Equifax and XXXX wasn't affected. The battle is seemingly constant regarding their reporting incorrect items to my account. I have freezes and alerts placed on my accounts for SEVERAL MONTHS now. Why are these inaccuracies continuing to be reported? How? This report is VERY shady. It seems instead of protecting yourself from ID thieves, you need to protect yourself from them. FED UP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: IN
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:
EXPERIAN sent out a letter giving FALSE information to XXXX XXXX. 
Attached is the letter sent to XXXX by EXPERIAN. 

As of XX/XX/2022 Experian stated that key factors that adversely affected my credit score were : Lack of recent installment loan information ..... Which is FALSE! I have over XXXX of credit history with no late pays or negative information. 

Time since most recent account opening is too short .... Which is FALSE! 

Too many accounts with balances... Which is FALSE!... I have just a couple of accounts with small balances that are normally PAID IN FULL EVERY MONTH!!! 

Too many accounts recently opened ... .. FALSE! I recently opened an account with XXXX for approximately {$23000.00} and paid it off within 30 days. 

I have worked hard to maintain an EXCELLENT credit score ( approx : 840 ) and don't need it trashed by Experian giving out FALSE information! 

Furthermore .... it is IMPOSSIBLE to have the opportunity to talk to someone from EXPERIAN. I have notice over the years, a lot of info in my report was 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 explanation
Consumer complaint received 2018-12-10
Company: Community Health Investment Company, LLC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Collector XXXX repeatedly spoke over me trying to railroad the conversation into whatever she earns commission for, ignored my questions was not knowledgeable about collections lied about the companies policy on validating debts, threatened to hang up on me when I got tired of listening to hear pretend she knew what she was doing. When I requested a manager shes transferred me to a lower ranked supervisor, probably a friend to try and make the problem go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: AL
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:
Identity theft, car payment on car I don't have, hospital bills and I had health insurance for it

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 2022-05-24
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm recently divorced and lost almost everything but this house. During Covid I took advantage of the deferred house payment that they offered me. In that time I was able to pay off the debt that I'd accumulated from the divorce and had moved my credit from XXXX up to over 700. In XXXX they sent me a modification that arrived at my house on XX/XX/XXXX, and it had to be back by the XXXX. I was traveling for work and was gone that entire week. My ex-wife 's name was on the Deed and not the loan so I couldn't turn it around in such a short time. Meanwhile I made the XXXX payments that they asked during the " trial '' process. They then offered me a second modification in which I had to get a Quit Claim Deed signed by my ex-wife. I did everything on time, but they said that the QCD, wasn't registered in the courthouse. I proved to them through emails that it was and sent them the appropriate documentation. Each time I called them, I was told something different, " we've got everything '' the next time it was " we are missing the QCD ''. So onto round 3 of the modification, and my interest rate went from 2.875 % up to 4.5 %. As I was working through this, they chose to report to the credit agency that I've missed my payments. Which I've never done. They NEED to Fix my credit, so I can take my business elsewhere. At this point, nobody will touch me because my credit is in the low 600 's or high 500 's. They literally are destroying me and any opportunity to work with other banks. I've got pages of documentation and they record each and every call that I've made, and nobody will listen. I try to call my " Relationship XXXX '' and unless I have a scheduled appointment she can't talk to me. I try to schedule an appointment and it's 2-3 weeks out and at that point, I will miss the deadline on the 3rd loan modification. Please HELP! I'm going to lose everything.

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