BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Pennymac today ( XX/XX/13 ) and I asked about doing a three months forbearance due to financial hardship and they told me to just borrow money from friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 've repeatedly contacted Trans Union regarding my XXXX account, listed as # XXXX The balance and credit limit Trans Union lists on my credit report are both wrong, and despite my submitting copies of my most recent statement to Trans Union on XX/XX/2017, providing evidence of their incorrect information, they continue to list a balance when the account is paid in full and a credit limit much lower than is true.

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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 MAKING THIS COMPLAINT FOR MYSELF. THERE IS NO THIRD PARTY INVOLVED. 
my name is XXXX XXXX and i am a victim of identity theft. 
My consumers report has all of these fraud inquiries and addresses. 

Below i have attached my id, ssn, ftc report, and proof of address. 
Remove all of these fraudulent inquiries and addresses that dont belong to me. 
I have also mailed the bureas a copy of these documents as well. 


UNAUTHORIZED INQUIRY : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contact this company they will not give me any information on this collection let them know I was fraud wand they keep putting on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: The Moore Law Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account was reported to XXXX as fraud authorities were notified and documentation was provided to XXXX XXXX department is Investigating along with 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 2022-12-26
Company: EQUIFAX, INC.
State: NJ
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 MAKING THIS COMPLAINT FOR MYSELF. THERE IS NO THIRD PARTY INVOLVED. 
my name is XXXX XXXX and i am a victim of identity theft. 
My consumers report has all of these fraud inquiries and addresses. 

Below i have attached my id, ssn, ftc report, and proof of address. 
Remove all of these fraudulent inquiries and addresses that dont belong to me. 
I have also mailed the bureas a copy of these documents as well. 


UNAUTHORIZED INQUIRY : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: PA
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:
10 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$58000.00} Balance updated XXXX XXXX, XXXX Original balance {$47000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Auto Loan Payment summary 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 PAYMENT HISTORY LEGEND Status Repossession. {$57000.00} written off. {$10000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$10000.00} Original balance {$47000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 72 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Every XXXX my mortgage payments increase or decrease based on a number of variables. This year it went up considerably, so in order to bring the payment down I switched from XXXX XXXX   XXXX to XXXX, and saved a substantial amount. The effective date of coverage for the new insurance coverage was XX/XX/2019. The new mortgage payment ( with the XXXX pricing ) started in XXXX. I was advised to put the refund check from XXXX in the bank, which I did, and then call Bank of America and give them authorization to withdrawal that money, which I did and they did withdrawal the ENTIRE amount for XXXX XXXX coverage. Now when I paid my mortgage for XXXX they had not updated the information ( not my fault ) and so they charged me a XXXX advance shortage fee. the problem is I over paid them {$40.00} My new amount is XXXX I paid them XXXX. They cant seem to understand this and still say i owe XXXX for XXXX but I dont because my insurance rate and coverage was effective XX/XX/2019 and they received the refund in full. i want this corrected before I get too many payments where they say i shorted them and I want my credit. the ladty i talked to said she would issue a complaint and to date I have heard nothing back.

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 2023-09-18
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX, XX/XX/XXXX I have requested change of password and to inquire about the account via the website which claims I max attempts to change password. I then contacted the customer service XXXX several times being left on hold 30 plus minutes without any rep answering. BankMobile XXXX has numerous complaints against their company online. Unfortunately, this company is what many schools choose to bank with in order to give access to students for financial aid. Unfortunately the inability to access my account affects schooling. Please assist

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the 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 2023-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2023 I deposited a check for {$6800.00} into my Capital One checking account. The money came from my mother 's account at XXXX XXXX in Texas. My mother died in XX/XX/2023, and I was the beneficiary on her account at XXXX, which is why I got the check. On XX/XX/2023 at XXXX I received a message from Capital One that my check had been received, which said not to destroy my check. It said the money would usually be available the next business day. On XX/XX/2023 at XXXX I received an email from Capital One that the availability of my funds have been delayed until XX/XX/2023 because " there's an increased risk that the deposit XXXX return based on confidential information that indicates the check may not be paid ''. On XX/XX/2023 at XXXX I received another email that said my check deposit was successful and that I could go ahead and destroy my check ( which I did, believing the funds would be available on XX/XX/XXXX as they told me ). On XX/XX/2023 at XXXX I received an email from Capital One saying they had delayed the availability of my {$6800.00} until XX/XX/2023 because " there's an increased risk that the deposit may return based on confidential information that indicates the check may not be paid ''. By then I had already endorsed the check to Capital One and destroyed the check ( as they told me I could ) so I couldn't try to deposit the funds elsewhere. My family has deposited many checks from my late mother 's bank accounts into various banks, and none of them have had a two month hold. Not only can I not access my money for two months, but it is not earning interest and Capital One ( now in possession of the money ) can do with it as they please. I called their customer protection line twice and they wouldn't do anything to help me, and my father called them multiple times to complain as well. When I called them, they told me they needed to " verify the check with the issuing bank '' ( Prosperity ). The first time, they couldn't get through to them, and the second time they were apparently told by Prosperity that they " don't verify checks ''. Capital One claimed that the check was suspicious because the account holder is dead ( again, we have had no problems depositing my late mother 's checks into other banks- XXXX and XXXX ) then essentially told me there was nothing they could do and then ended my call. I have never heard of a two month hold on a check. The longest hold anyone I know has experienced with large checks ( around two times larger than this ) is around 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: NJ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
So, on XX/XX/2022, I mailed letters to XXXX, XXXX, and TransUnion. Here are my tracking numbers for removing personal data from my credit report : XXXX, XXXX, and XXXX. I have a right to privacy under the Fair Credit Reporting Act [ 15 U.S.C. 1681 ]. Additionally, no financial institution is permitted by [ 15 U.S.C. 6802 ] to disclose my information to unaffiliated third parties. 

My rights as a customer are being violated in plain sight.

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 2023-09-16
Company: Bread Financial Holdings, Inc.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX time share is a scam using fraudulent bank called COMINITY CAPITAL / XXXX XXXX  that lends money to XXXX on our names without our knowledge and we are obliged and penalized further by the credit rating agencies like XXXX, ( XXXX and others ) relay this false scam in our credit reports. 
XXXX made a fraudulent contract with all lies using smart cheaters who spoil the vacation of the gullible. 
I dispute the XXXX contract # XXXX Please see the fraudulent agents of XXXX warned not to invite tourists especially in Florida and call them inside XXXX XXXX ' hotels, lies and create accounts on our name in a fraudulent bank called COMENITY CAPITAL BANK XXXX Comenity bank then sends money to XXXX and bills us. XXXX, XXXX and XXXX etc are then make bad credit rating XXXX based on fraudulent XXXX AND COMENITY CAPITAL BANK. 
WORKING WITH XXXX IS ALSO A PAIN AS THEY SEND PAGES AFTER PAGE OF DATA WITHNO CLEAR ANSWER. 
Please ensure XXXX contract # XXXX is cancelled as told them by mail immediately after we came back in 5 days. XXXX is also very difficult to communicate as their associates are trained not to answer or cancel contracts as requested. 
XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-02
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
In XX/XX/XXXX, I was referred to XXXX XXXX XXXX because I wanted to trade-in a car that I was financing. Due to my " poor '' credit, I was told that they would definitely get me into a better car with better terms. 

On XX/XX/XXXX I went there and spent hours with mostly the salesperson and then going back and forth with the finance manager. My trade-in was appraised ( excellent condition and low mileage for a car that age ). I was led to believe that XXXX XXXX  XXXX was taking my trade-in. After all, the reason why I bothered to go there in the first place. I was anticipating slightly lower payments and/or a better car and deal. 

As I began reading, listening to the salesman and finance manager, as well as going back and forth signing the paperwork, I asked them what about my trade-in. That's when I was told that I was " upside down on my loan ''. I did not know what that meant, so they explained it to me. I asked why I was not told that before. I also asked, " what am I supposed to do with two cars? ". The salesperson said that I need to find a way to get rid of it. 

This situation made me feel absolutely helpless. I went to the dealership in an attempt to not only get my finances better situated, but to also build my credit. I believe that I was taken advantage of. They exercised aggressive sales tactics and blatantly lied about taking my trade-in. As a single mother with only my small income to support my family, I struggled tremendously trying to pay two car notes and the insurance. I was placed in extreme financial distress. In addition, I also came to realize that based on my situation at the time it is highly unlikely that someone with my income would even qualify for that particular loan. 

This loan has caused me financial turmoil. On XX/XX/XXXX, Santander Consumer USA reported this account as a chargeoff. I can not improve my credit, which prevents me from being able to reach my goals of a better life for my family. Upon recently researching my concern, I have realized that I am a victim of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, 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:
I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: Consumer Portfolio Services, Inc.
State: MS
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 have made reports for the police in XXXX when purse was taken in which contained documents with my information and i got a letter from a pervious employer in XXXX that my information had been compromised. There are reports of places I never lived in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ms XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: MS
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:
There is a discrepancy of a late payment for my XXXX account. For my Experian and XXXX account, it is stating that I was 30 days late only in XXXX. However, for XXXX, it is stating that I was late 30 days in XXXX only. Also, there is a discrepancy in the balance of my loan amount. For XXXX and XXXX, it is showing a balance of {$19000.00}, but for Experian the balance {$19000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
purchased XXXX XXXX XXXX XXXX thru XXXX XXXX  XXXX that was paid off in XX/XX/2017 and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full.

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