BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ultimately, on XX/XX/2020, a check was issued in the amount of XXXX XXXX dollars address to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX, N.Y. XXXX Corporate Office listed on their W-9 form, to the above account by the Maryland State Comptrollers office. `In my efforts to locate the check with Loan care I have gotten nowhere since my inquires. A representative and I have reached out by providing a form to verify the lost or non-receipt of the check for a resolve, Nonetheless, in this recent activity with Loan Cares payment and research section. They decided to follow up and therefore close the case.

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 2023-07-19
Company: EQUIFAX, INC.
State: FL
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:
Good morning, My complaint is regarding the credit reporting agency Equifax. Around XX/XX/XXXX I began not receiving an Equifax credit score. I was informed of this upon receiving a denial for a mortgage. The information provided was that the company was unable to provide me with a score. This is my second complaint as the first one was unresolved and I still do not have the correct information with equifax. 

I then reached out to Equifax to see why this is happening. After a while of back and fourth on the phone, the support staff assured me in 2-3 days this would be fixed. After a few more months goes by I checked online through their portal where I received an error code XXXX  and informed me to contact Equifax which I did. 
I let them know I was still unable to review my score and I was receiving this error. 
I was again reassured that the problem had been corrected on their end and it will take a few days. Well this went on for another year constantly calling Equifax explaining the same problem and it was always something different. They say they can see my Report and score on their end, which they did provide me with a copy of the report last time I called early XXXX this year. However my information and score is still unavailable for banks, services or myself to see. 

The last time I spoke with them early XX/XX/XXXX they said to send in verification of where I live and who I am. Which I did. I then received a letter stating everything was complete on their side. To this day nothing has been corrected. I am Not able to buy a house and I am Denied credit for agencys that pull from Equifax. This is hindering my every day life but not having a score available for other institutions. 
My other 2 major reports are just fine its only Equifax. It appears no one from Equifax is able to assist and understands what is going on. While searching this online it appears this is a common problem and needs support. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I checked my credit report last month around XX/XX/2021 and i saw this fraudulent account on my profile being reported by Transunion and XXXX. It is the first time i seen these accounts. I've never received any information from the company or the collector XXXX XXXX XXXX so i don't know whats going on. This account is not mine i've tried disputing and calling the credit repair companies and i also sent letters to the debt collection company. It is extremely hard to get someone on the phone through the system it is very confusing and time consuming. They are violating my rights by reporting this false information. 15 united states code 1681 ( a ) ( 1 ) says they must report accurate information. It has been more than 30 days and all they say is that the information is verified. How, they haven't sent me one document showing that it is mine. I'm so confused how they can just violate the law like this and destroy my credit score and not be held accountable. I do know Fair Credit Reporting Act laws protect me from this type of stuf. 15 United States Code 1681n ( a ) ( 1 ) says any actual damages like the stress plus up to {$1000.00} per violation. I need this stuff deleted our i will have to excercise my rights.

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 2023-11-06
Company: Supreme Lending
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Supreme Lending XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Around XXXX, XXXX. A mortgage loan amount of almost {$200.00} XXXX was approved to someone using my identity. As when I tried to see if I could be approved I was denied but someone underwriting my personal identity got approved that was not me. And I do not know who is doing it but I have gone through identity theft since XXXX. 
XXXX XXXX XXXX XXXX XXXX Social Security Offices Example : XXXX, Co website withholding other ways for people to sign in to their MyAccount SSI? SSA?. Gov? to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the fair credit Reporting act XXXX XXXXr Account opened XX/XX/XXXX and XX/XX/XXXX, has violated My rights 15 USC 1681 Failure to report complete and accurate information. In XXXX Experian XXXX XXXX all reported that I had a past due balance on a charged off account which is incomplete and in accurate and in violation of 15 usc 1681. Both. Experian and XXXX show payment history mean while XXXX shows no history which is also inaccurate and complete which is in violation of 15 usc 1681

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 2019-04-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX someone changed our email address linked to our chase account. I didnt do this nor did my husband. I called chase right away and told them we didnt do this. The woman I spoke with changed the email back to mine and assured me everything would be fine but keep an eye on the account just in case. Later that night there was a card replacement charge on my account for {$5.00}. I didnt notice this fee until XX/XX/XXXX. Someone withdrew {$1500.00}, {$1400.00} from our checking account and {$1000.00} from our savings from an atm in XXXX XXXX. We reside in XXXX XXXX, XXXX. We have not been to XXXX XXXX in over 20 years. I called chase the moment I saw this and started a claim. It is now XX/XX/XXXX, over a month later and we still do not have our money. They did give us back the {$1000.00} to our savings. They refunded us the {$1500.00} and {$1400.00} but then took it away again just 2 days ago, saying our claim was denied. We keep getting told the same thing. That it was our card used with the chip in XXXX XXXX. I sent them documentation from my work that I was in fact in XXXX XXXX, XXXX at the time this occurred. I just dont know what to do at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDUCATION / XXXX, XXXX XXXX XXXX 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 an 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 2021-03-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i sent a letter to midland credit management on the XXXX of XXXX and hasn't received a response to this letter : XX/XX/2021 MIDLAND CREDIT MANAGEMENT , INC ATTN : XXXX CALL, XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, CA XXXX Re : Alleged Original Creditor : XXXX XXXX Alleged Original Creditor Account Number : N/A Debt Collectors Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$310.00} Dear MIDLAND CREDIT MANAGEMENT, INC : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within thirty ( 30 ) days. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed credit card agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive all related information. If you fail to comply with this letter, I intend to turn the matter over to an attorney. 



cc : Consumer Financial Protection Bureau via fax XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13
Company: Source Receivables Management LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company XX/XX/18. It is now XX/XX/18 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond and I've yet to receive a response months later. 
The company was Source Receivables.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Convergent Resources, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX account switched to my daughter 's name at the XXXX XXXX store in XXXX, Iowa. Three lines disconnected per my choice. Four lines transferred to my daughter 's new account. Spent 2.5 hours in the store to close old account, verify no late or change over or reconnect fees with XXXX XXXX Customer Service. 
Verified a credit would be issued to by account for end of service in the beginning of XX/XX/XXXX. Credit issued on XX/XX/XXXX bill but also reconnection fees for 7 lines, 3 of which were never reconnected, 4 of which were placed on another account. 
Account was paid XXXX $ XX/XX/XXXX leaving a balance of XXXX . {$99.00} was paid XX/XX/XXXX. Service was cancelled per customer choice on XX/XX/XXXX. Service period was XX/XX/XXXX - XX/XX/XXXX. 
Normal monthly fee is XXXX $ for 7 lines, XXXX $ for new phone payment and insurance. Credits for health care worker brought monthly bill to XXXX. {$99.00} was paid on XXXX. The company is charging XXXX $ for 7 days of service. Absurd. If you take XXXX $ and divide it by 30 days you XXXX $ per day is XXXX plus the XXXX for the insurance and monthly phone payment you get XXXX . XX/XX/XXXX balance due which was XXXX . {$69.00} + XXXX + XXXX = XXXX - {$99.00} = {$61.00} due to XXXX XXXX. Not {$320.00}. Waited for corrected bill to arrive. Called to correct bill. XXXX XXXX  sent to collections. 6 or 7 phone calls later, each at least 45 minutes long, issue still remains unresolved. Convergent stated XXXX XXXX had to fix bill. XXXX XXXX said Convergent has to fix bill.

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 2021-06-17
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We, wife and I, have been hacked of our personal information 6 times now. This has been going on for over a year. We have had money stolen from our accounts. At first PNC was good at getting things taken care of but now theyre accusatory like we are lieing or something. We are out thousands of dollars - denying one claim without even having the time to look into it and another that has been ongoing for over 6 weeks now with nothing being done. No credits nothing. Thats violation on Reg E. We have installed XXXX XXXX to hopefully ensure this doesnt happen again. We have contacted the police but they said they cant do anything because anyone can buy anyones information on the dark web.PNC has already charged back money from the one dispute but we havent seen any credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Reporting company used your report improperly

Complaint:
Experian/Clarity has a 30 day late 60 days late on my credit file that has issues in which XXXX claims they placed on my credit report XXXX was taken money out both of my bank accounts in which they was reporting my account late after the bank stop payments to them trying to take XXXX payments at once out. 

When calling XXXX to pay off the account with the 90 days same as cash the price change every time. 

You can never get nothing in writing or letter nothing but he run around with XXXX claiming they place the late on my credit file. 

Every time calling rude hanging up attitude saying EXPERIAN place the info on there not them. 

I mailed them certified mail with no response to the issue

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 2021-06-17
Company: Bread Financial Holdings, Inc.
State: CO
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 have an accounts with a bank that has a late payment showing from XX/XX/2020. The situation was that i had lost my job due to the start of covid, I had made arrangements with them so that i wouldn't have any late payments on my report and they worked with me on the payments. payments were taken out automatically even at a reduced amount. The next six months there were no late payments but i notice that with both accounts they have a late payment showing on each account from XXXX. I have tried disputing it with them as well as the bureaus. They listen to me when i call and make notes but nothing changes. It is keeping me from getting a home loan and this was part of the covid relief program that i was a part of and should be removed. There is only 1 late payment with each ;. It's obvious that i was part of the covid program. Please help me to get these removed as they are not my mistake and i worked it out with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no knowledge of these accounts nor have I ever entered into any agreement with PRA ( Portfolio Recovery Associates ). Amounts of {$1300.00} & {$780.00}. I have lived at current address 5+ years and didnt not receive any paperwork. Accounts have a delinquency start date verified through third party XXXX of over 5+ years and have expired Iowa statue of limitations on legal collections. Making debt legally uncollectible. I am asking PRA to remove these alleged accounts from all credit reporting agencies and credit bureaus based on the above stated facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX AND I HAVE BEEN COMPLAINNING ABOUT XXXX XXXX   BECAUSE ITS THE WRONG PRICE AND I NEED THEM TO REMOVE IMMEDIATELY AND THIS IS NOT THE RIGHT PRICE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have 2 complaints about M & T. 
1 ) questionable tactics to takes someone's home and foreclosure. 
2 ) having a loan modification process that gives the consumer only 18 days to provide dozens of documents. Some like taxes, have to be ordered. When the customer can not get the long list of documents in the 18 days. M & T cancels the customers application and deletes their account. they are just mean.. 

I am the most disappointed i have ever been with a company and can not believe they can do business like this and get away with it. Quick summary is the bank refused, yes refused to take my payments and started sending me foreclosure notices. 

Thanks. Just a couple more fact 1 ) fact 1 my payment suddenly went up {$1200.00} in XX/XX/2019 because M & T did a escrow adjustment, i had no idea, that was going to last 2 years. 
2 ) fact 2 i became behind for XX/XX/XXXX ) fact 3 i offered to pay {$3900.00} in XX/XX/XXXX which is a full payment and they refused. They refused my payment.They then proceed with letters from lawyers to my house threatening foreclose. The only way i can describe what they did is the word evil.

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 2023-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been a loyal Bank of America client for over 10 years. I have been a Preferred Rewards Diamond member for 5 years. XX/XX/2023 late in the evening, my Realtor asked for an FHA pre approval letter. I filled out my information online hoping to get the approval letter quickly to give to my realtor. After submitting my information, to my disappointment they were giving loan suggestions and it became clear it was not pre approval but a sales tactic. I get a phone call from a Bank of America representative XXXX XXXX XXXX XXXX  : XXXX who proceeds to ask the exact same questions for about XXXX minutes about questions that I already had answered. Then I get put on hold for XXXX minutes and told I didn't qualify. I could buy the house in cash many times over but I didn't have the proper flow of income for the loan. The representative then sold off my information as a lead to hundreds if not thousands of mortgage brokers without my consent. I've received hundreds of phone calls within the last XXXX hours ( have screenshots of XXXX ) about a security instrument that I don't qualify for. I am considering moving all of my funds to a different company since this incident. I am extremely disappointed with the the way I was treated throughout this entire process as someone who had dedicated faith in the company.

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 2023-07-19
Company: EQUIFAX, INC.
State: AR
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 submitting this CFPB complaint myself, regardless of the multiple written requests, the fraudulent items listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b 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 statutes. The following items are fraud that are needs to be removed : DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX Inquiry : XX/XX/XXXX ; DEPT OF ED XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$1600.00}.

Company response to consumer: Closed with non-monetary relief