BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my two rental properties, both single family residences that I used to live in, through PennyMac in XXXX. Between XXXX and XXXX, I transferred ownership of these two properties to an LLC as a separate rental property business, which I confirmed is allowed by my refinancing as a XXXX XXXX loan because my husband and I are the only two beneficiaries of the LLC. I confirmed this with an attorney, and with PennyMac prior to transferring. PennyMac gave me their approval in an email in their secure message center online, which is the only way I have to communicate with them for a paper trail. They do not provide an email address. However, they delete correspondence from the message center after a period of time, I'm guessing two years. Luckily, I kept a copy-and-paste of it. 

Now that I've transferred the properties officially, they are refusing to pay for the insurance and property taxes to the County because the name of the bill is in the LLC and they wrongly denied me the transfer. 

At first, I received a message that said the transfer wasn't allowed, which contradicted what I was told prior to transferring. Then I called, and the person on the phone said the message writer was wrong, and sent it back to the same department to re-review. However, the taxes are now past due and PennyMac is sending me threatening letters accusing me of not insuring the property ( which is untrue ) and that they will select a hazard insurance policy for me because the bill hasn't been sent- but the bill has been sent by both the County and the Insurance Company in the name of our LLC. Their delay in recognizing the transfer is also delaying the payment of taxes and insurance. 

I have tried following up several times but there is no email address, no one person handling my case, and the secure message center doesn't notify me when there are responses. When I call and talk to someone reasonable, there is no paper trail to confirm what was said. 

If they proceed with forcing a new insurance policy on me, then I will be double-billed for the insurance, when this appears to be their mistake. I have sent documentation of all of this to them but they are not replying in a timely manner, and not honoring the terms of our agreement, nor their original message that approved the transfer. I feel stuck and helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: CA
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:
Problems with XXXX XXXX XXXX XXXX XXXX reporting debts paid off and that sold improperly to other companies as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted copy of identification 3 times, copy of XXXX 3 times, I submitted Utility bills 3 times, I submitted paystub all reflecting current address of XXXX 3 times. XXXX continue send stall letters instead of correcting the misinformation after submitting the recommended documents they requested to verify my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After numerous attempts to inform Equifax that they are reporting fraudulent and outdated account on my credit report and after sending proof of identity theft along with the report they still failed to correct my report, I also have brought to their attention that they are enabling the collection company to keep manipulating my credit report payment history and dates to ensure that it stays on my file, they did absolutely nothing to stop it and only picked two account on my identity theft report to correct even though they were notified by the other credit bureaus that it was removed due identity theft and inaccurate outdated reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
Upon reviewing my credit report, I have identified several inaccuracies related to personal information, specifically incorrect addresses and phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: NC
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:
Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
I had an collection account with NFCU and it was settled back in XX/XX/2021 this is my second complaint pertaining to this matter because one of the accounts is still reflecting derogatory in the status and still effecting my credit in a negative way. This is past the 90 days to have it fixed properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
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:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
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 2023-05-30
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/2023 - Asked credit report agency to verify accuracy of information. 

XX/XX/2023 - Investigation results ; Verified and Updated information After the investigation for timely, accurate, and verifiable information from creditors, there were still discrepancies and inconsistencies across all three-credit report ( s ). 

Name Of Account / Acct Number Verification Collection Management : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit reporting Act, the accounts above have violated my right.

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 an account without my written permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20
Company: Phoenix Financial Services LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is an UNKNOWN account. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. 

I have contacted your company many times but you have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. 

Account Number : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: IL
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:
Am writing to formally dispute the inclusion of an account on my credit report, as it was established without my knowledge or consent, using my personal information, such as my Social Security number. The circumstances surrounding this account clearly violate consumer protection laws, and I insist on its immediate removal from my credit record.XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: eToro USA LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
While this is not the biggest issue in the world, It is very inconvenient. 
I am a crypto currency investor and I use the site known as eToro to buy and sell my coins. 
When I joined, it was extremely easy and adding money from my bank to my etoro account even easier. HOWEVER, today i decided to withdraw just a little back to my bank. To give you all the details of what I had to go thru may add an hour or more typing to this complaint. The best way to describe it is, I had to go thru both XXXX and XXXX XXXX to achieve my goal, Instructions not available, or different instructions depending on which part of the help page you ask. Very personal questions deemed as NECESSARY in order to complete form, and a number of other things, like difficulty locating certain applications, incorrect instructions, statements such as, If u use this method we can not guarantee the money will arrive to your destination, which caused me to think, well I better try the other method. The same message would be at the other method as well, so either way u r being told, if u withdraw we won't guarantee you get your money. These are just a few of the issues i had to get thru.. Now I have a fear of withdrawing my money later. It is not very much but it is all I have to invest I'm a senior citizen on a fixed income. Thank You XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Global Lending Services LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I traded the car in they told me to put the XXXX down on the new car and they will make it where I did not have a late payment but it took XXXX  days to do the paperwork and I have a late. The car is now paid off and they will not take the late payment off the credit. The company is global lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention a matter of concern regarding the reporting of inaccurate information on my credit report. I recently reviewed my credit report and discovered that the inaccurate information, continues to reflect inaccurate late payments. I had previously addressed and repaired this account, and it is disconcerting to see that inaccurate information persists on my credit report. 

Account Information : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I kindly request that you conduct a thorough investigation into this matter to verify the proper reporting of information on my credit report. I expect that you will take the necessary steps to rectify any inaccuracies promptly. Under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and up-to-date information on my credit report, and I trust that your bureau will adhere to the legal obligations set forth by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
Equifax Violated Consumers Trust & Failed for over 10 months to provide relief after valid disputes submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-11-08
Company: Credit Karma, LLC
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:
am writing to file a formal complaint against XXXX XXXX due to concerning incidents that have occurred with my credit information, specifically the unauthorized use of my credit card number and multiple inquiries on my credit report. These actions have raised significant concerns about potential violations of consumer protection laws, including 15 USC 44, 12 USC 44, and 12 USC 83 ( a ). 

Recently, I discovered that my credit card number was used without my knowledge or consent for transactions related to Credit Karma services. This unauthorized use of my credit card information is a serious breach of privacy and security and has raised questions about the safeguards Credit Karma has in place to protect sensitive consumer data.

Additionally, I have noticed multiple inquiries on my credit report made by Credit Karma without my explicit written or verbal consent. These inquiries have negatively impacted my credit score and have occurred without a clear and legitimate reason, which may be in violation of consumer protection laws. 

I request an immediate and thorough investigation into the unauthorized use of my credit card number and the multiple inquiries on my credit report. I also urge Credit Karma to take corrective actions promptly, including rectifying any unauthorized charges and inquiries. Moreover, I request that Credit Karma ensures strict compliance with the relevant consumer protection laws, specifically 15 USC 44, 12 USC 44, and 12 USC 83 ( a ), to protect consumers ' privacy and credit information. 

I expect a written response to this complaint, outlining the steps taken to rectify the unauthorized use of my credit card number, remove any unauthorized inquiries from my credit report, and ensure full compliance with consumer protection laws. Your prompt and cooperative response is essential to resolving this issue amicably and restoring my confidence in Credit Karma 's handling of consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Credit Card Acquisitions Group
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In or around XXXX or XX/XX/XXXX I purchased a plane ticket through XXXX. I was discharged from the Military before I could fully pay it back. Fast forward to XX/XX/XXXX and my son 's mother received a call from someone trying to collect a debt that they SAY I've defaulted on yet I've never been served with any documents or anything. I was in the Military station in XXXX, XXXX  at the the time which was clear because I had to post it on the paperwork. They told me via phone this XXXX that they " tried to serve me at the XXXX  address I had on file '' knowing that wasn't my physical residence not to mention it's CHARGED OFF on my credit report. Now im being threatened with 35 % wage garnishment if I don't come up with over {$5000.00} bucks for a ONE WAY TICKET from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Genesis FS Card Services, Inc.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XXXX XXXX  reduced my credit availability due to an item on XXXX XXXX report. I contacted XXXX XXXX and discovered it was a Credit Card open on CB Indigo that had never been paid. 
The account is not mine and was opened without my knowledge. After contacting CB Indigo and alerting them of this fraud i understand that they wrote off the balance. 
The problem is that the account still shows being open with XXXX balance but still in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: CASHCALL, INC.
State: CA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : CASHCALL Account Number : XXXX Date : XX/XX/2017 Amount : {$10000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation