BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-05
Company: EQUIFAX, INC.
State: VA
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, VA XXXX XXXX : XXXX DOB : XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : Credit Bureau Service {$2800.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports.

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney.

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX Cc : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have reached out to SunTrust Mortgage numerous times without success. I have called them numerous time to drop the PMI off our loan but they never do. Our home loan is well under the 25 % for PMI and they refuse to remove it from our loan. Every time I contact the bank they advise us that that have no record of our call or they are still looking into the matter and to call back in a week or so. Unfortunately this has gone on way to long and if you could help us it would be greatly appreciated.

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 2020-06-26
Company: BARCLAYS BANK DELAWARE
State: NY
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 XXXX  credit report I mention Barclay 's bank does not belong to me. I informed Barclay 's bank as a fraud. They mention it will be place as fraud, however XXXX  has yet to remove it from my credit report, hurting my credit. 


Barclay 's bank is my other 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 2023-07-26
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
took out loan on title of car in XXXX. XXXX paying as agreed for a monthly installment but due to coronavirus and my XXXX  being non essential I am not able to work. I have applied for unemployment and i am also looking for work in an essential business. i also have been XXXX  to someone we believe has XXXX  so i may be XXXX. i have called the TitleMax company and they refuse to defer, postpone or extend the loan. if i dont have a way to be able to legally work, they should be forced to help the consumer. if i lose my car i can not work or look for essential work. 
he next payment isn't due until the XXXX XXXX but they are showing that payment is past due as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Mr. Cooper Group Inc.
State: PA
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 was made aware of a situation last Friday ( XX/XX/2019 ) that has adversely impacted my credit and that was essentially a technical glitch resulting in delayed payments. Specifically, I made a change to my auto-payments ( increasing the draw amount ) in XXXX and did not realize that there would not be an automatic payment made to my account as a result in XXXX. My auto-payments resumed in XXXX but I was under the assumption that they were being paid on time each month when actually Ive been running a month behind since I made the change, unbeknownst to me. I was shocked to learn when finally alerted 6 months later that my account was in default, despite regular monthly payments being made, and was told that my credit has been significantly and negatively impacted. Ive been informed that my only recourse is to request that the lender, Mr. Cooper, update or correct this reporting to all appropriate credit bureaus. I did so via email as advised and was told that I could expect a reply within 24-48 hours. Nearly a week later, I've had no reply and no resolution. 

I went back and checked my account notifications and website messages and there was absolutely nothing indicating a problem until XX/XX/2019. Each month I received notifications that my payment had been received. Mr. Cooper said that they had tried calling a phone number but that phone number was not a correct phone number. They didn't try the secondary number that had on file ... which was the correct phone number ... until 6 months after the fact. 

My credit has always been good and I'm very distressed to have this issue, particularly since I've received no acknowledgement or help at all from the lender to rectify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: AMERICAN INTERNET MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To Whom It May Concern : On XX/XX/20, we ( husband and wife ) refinanced the loan amount of {$380000.00}, loan # : XXXX, through American Internet Mortgage , Inc. ( AIM ) located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. But on XX/XX/20, we were notified of the " Courtesy Notice '' of a possible " Real Estate Fraud '' on " unaware of this transaction '' by the record office of the County of XXXX in California. We contacted our lender American Internet Mortgage ( AIM ),  Inc. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Shawum its employee said the XXXX XXXX XXXX is not the subsidiary of the AIM. We have been paying the mortgage to AIM since the refinance. 

So we are complaining about real estate fraud of the following XXXX XXXX XXXX accordingly. 
We reiterate to appreciate your time and consideration.. 
Should you have any question, please dont hesitate to contact me. 

Thank you for your time and consideration. 


XXXX XXXX XXXX XXXX The owners of the property at XXXX XXXX XXXX, XXXX, CA XXXX as joint tenants as husband and wife. The home property is the res of our living trust. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Hours : Opens XXXX Closes XXXX PM ( XXXX ) XXXX ; ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: PNC Bank N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item PNC BANK ( ADDRESS : PNC BANK XXXX XXXX  XXXX XXXX, PA XXXX ) Allege Amount Owed {$280.00} XXXX XXXX XXXX XXXX ( ADDRESS : XXXX XXXX XXXX, XXXX FL ) Allege Amount Owed {$840.00} XXXX  XXXX ( ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) XXXX Allege Amount Owed {$360.00} XXXX XXXX ( ADDRESS : XXXX XXXX XXXX XXXX VA : Allege Amount Owed {$500.00} I have No knowledge of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: Account status incorrect

Complaint:
XXXX, XXXX, and Experian are all reporting my XXXX  XXXX credit card as having a late payment in XXXX of 2022. All three agencies are violating my consumer rights of the fair credit reporting act. These companies are in direct violation of 15 US code 1666b that states a creditor can not report an open credit account as late. They are also in violation of US code 1681i that states any inaccurate and invalidated information must be removed off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I lost my wallet and on XX/XX/XXXX someone made two purchases for a total of {$910.00}. I immediately called the bank and was advised that because the funds were pending and had not posted, they couldnt do anything. I called on Monday and they said because of the Holiday ( XXXX XXXX ) the funds still hadnt posted. The funds didnt post until Wednesday XX/XX/XXXX and by then my account was already - {$72.00} due to bills and a {$35.00} negative funds fee. By this time I had called 5 times and had spoken to multiple representatives that I did not intend to get an immediate resolution to my issue, but I did NEED my funds due to bills and being able to care for my family. On their website they have a XXXX liability policy which they did not adhere to claiming that they had to abide to their claim timeframes. Its now Friday XX/XX/XXXX, my account is - {$570.00} due to bills and I have yet to receive any temporary funds. It is unfair that my card was stollen and I am being held liable. I am working class and I can not wait 10 business days for my account to be credited.

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 monetary relief
Consumer complaint received 2021-10-12
Company: OneMain Finance Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have already told them I recently ( 2 months ) had XXXX and was out of work. They continue to call all day and even have other branches in other cities continue to call all day. 
O am sorry I can not pay at this time due to I list my job but the harassment has got to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09
Company: National Collection Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX I checked my credit score which is always near perfect, and I noticed it dropped and it said I had an unpaid bill for {$960.00} from XXXX XXXX XXXX  XXXX and it was sent to debt collections National Credit Management. I have never heard of XXXX XXXX XXXX XXXX, nor is this my bill.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2018-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery began harassing me trying to collect an ERRONEOUS debt. After SEVERAL attempts to have Portfolio Recovery delete a ERRONEOUS debt from my credit files & cease collection efforts, I feel I have no other recourse than to file this complaint with the CFPB. I have filed a complaint with the XXXX   previously and was told collection attempts would cease, but Portfolio Recovery continues to pursue a debt I have no contractual agreement to be responsible for, as it is NOT mines. I have disputed the ownership of this account SEVERAL times certified, notarized, and writing to both the credit bureaus and Portfolio Recovery directly. Unfortunately, Portfolio Recovery refuses to remove this information from my credit files and cease collection efforts. Portfolio Recovery is violating my rights under the Fair Credit Reporting Act & Fair Debt Collection Practices Act by willfully not being in compliance to correct this erroneous information and cease collection efforts. In addition Portfolio Recovery began pursuing collection of this ERRONEOUS debt when they were NOT even legally licenced to collect in my state. Despite action taken by the CFPB, Portfolio Recovery continues to use deceptive tactics to collect this ERRONEOUS debt that is not mines. With a rise in privacy breaches & identity theft I am sure Portfolio Recovery knows the importance of properly and legally collecting on debts. Portfolio Recovery has tarnished my credit standing and DEFAMED my reputation, causing my family financial repercussions. Please DO NOT simply respond by stating I owe " X '' amount of dollars, giving me bogus bills, or simply ignoring my dispute. I KNOW MY RIGHTS and have documented all of my efforts to get this issue resolved. I will continue to document my efforts and pursue ALL legal avenues available to me until this is resolved. The account number reported is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: TD BANK US HOLDING COMPANY
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:
NUMEROUS TIMES I HAVE REACHED OUT TO YOU AND ALSO TO XXXX  AND THE 2 CREDITOR ON MY CREDIT REPORT. BUT I GET NO RESULTS, SINCE EVERYONE SITTING IN THEIR NICE OFFICES ARE COMING TO SOME CONCLUSIONS. THIS ACCOUNTS WERE OPENED WITHOUT MY CONSENT, MY PERSONAL INFORMATION WAS STOLEN, MY EAIL, MY MAILBOX WHY IS IT SO HARD FOR YOU GUYS TO UNDERSTAND THIS, AND I HONESTLY BELIEVE THIS IS I AM NOT THE ONLY PERSON WHO HAS THIS ISSUE, I BELIEVE UNTIL THIS HAPPENS TO ONE OF YOU YOU WILL NOT UNDERSTAND HOW DIFFICULT IT IS TO PROOVE YOUR INNOCENCE. I HOPE THIS NEVER HAPPENS TO ANYONE BECAUSE NOT ONLY YOU HAVE TO DEAL WITH PEOPLE LIKE YOU WHO DOESN OT BELIEVE AND YOU HAVE TO CHANGE EVERYTHING WITH THE POST OFFICE FOR ME I HAD TO CLOSE MY BANK ACCOUNT AND GO TO COMPLETELY DIFFERENT BANKING INSTITUTION, I AM VICTIM OF AN IDENTITY THEFT, I NEED THESE FRAUDULENT ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
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: Information belongs to someone else

Complaint:
THE ACCOUNT THAT I AM DISPUTING, DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF IT. THERE IS ALSO A LATE PAYMENT REPORTING ON A XXXX  ACCOUNT THAT NEEDS TO BE ADJUSTED. THE LATE PAYMENT ACCOUNT NUMBER IS XXXX. THE DATE IS XX/XX/2019. I AM ASKING THAT THE DEROGATORY ACCOUNT BE REMOVED FROM MY CREDIT FILE AND THE LATE PAYMENT BE ADJUSTED AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: JPMORGAN CHASE & CO.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I opened a credit card through amazon prime in 2019, issued by JP Morgan Chase. 

I never received the credit card nor a bill. 

Apparently Amazon prime made this my default payment WITHOUT MY CONSENT. 

Some items were ordered, totaling around {$98.00}. 

I never received a bill or the credit card. The only way I found out is when I saw my credit report and it had been reported as delinquent. 

I called and immediately made a payment, including a late fee. 

They refused to remove from my credit report, which will cause me great financial harm. I have never had a delinquent payment. 

I WANT THIS REMOVED FROM ALL THREE CREDIT BUREAUS IMMEDIATLY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Carrying approx {$8500.00} on CITI Visa due primarily to medical bills and COVID furlough. 
Bank is charging 15.24 % interest. Called bank to complain and get reduction in interest rate ; banks are awash in cash, feeding at taxpayer trough again, federal funds rate is 0 %, they are paying 1+ % on savings, their cost of goods ( i.e. money ) is peanuts ; 15+ % is usury. Bank 's response - you agreed to these terms when you accepted card .i.e. tough. 

Rate is unreasonable by any standard. They are getting away with " robbery ''!!

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 2020-04-03
Company: Experian Information Solutions Inc.
State: HI
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 call and told them Experian this a fraudulent account. I noticed there are late payments listed under the collection account XXXX XXXX. From my understanding collection accounts are not supposed to include a payment history of late payments as I do not have a payment agreements currently set in place with this agency. This collection claiming a history of late payments is a false representation to my relationship with them. They can not report any payment history on the account form the alleged creditor before them. A collection is by default derogatory, this goes without say. Please delete this from my credit report immediately. 

Thank you.

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 2019-06-17
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent this company a validation letter and they signed for it on XX/XX/XXXX about an alleged debt they say I owe. What I received in return was a bill/statement. 

They have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have a legally binding contractual obligation to pay them the alleged amount, Furthermore The whole entry on my credit file of this account is completely inaccurate along with the dates on the bill/statement they had sent me that supposedly verified this as a valid debt I owe. 

The open date that shows on my credit report, regarding this account shows that it was opened XX/XX/XXXX however on the bill/statement they have sent me it shows date ranges from XX/XX/XXXX to XX/XX/XXXX? So 3 years later they want to report this false information? 

The high balance compared to the balance on my credit file for this is showing a high balance of {$210.00} but a balance of {$610.00}? But on the bill/statement they sent is shows {$610.00}? Nothing is accurate about what they are claiming! What is crazy is that the credit bureau ( s ) came back and said it meets FCRA requirements Thats a lie. What proof did they get?! 

I am making a final attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. 

All documents regarding communication with this company including return receipts and what I received from them along with the entry of this account on my credit report have been attached.

Company response to consumer: Closed with explanation