BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-14
Company: PENTAGON FEDERAL CREDIT UNION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XXXX weeks ago ( XXXX XXXX, 2022 ) I applied for a gold credit card offered by my credit union. I was approved and the account can be viewed online through my credit union. After one email and three direct calls to credit union I was told there is a plastic shortage in the USA and they can not give a date for me to receive my credit card. I believe it is a lie. I have called my three other LARGE financial institutions ( one credit union and two LARGE banks ) and they told me there are NO plastic or chip card issues and they do issue the actual credit cards. 
I asked what are alternative ways I can access my line of credit and they said there is no way to access it. So I countered and said that it could be next year that I get my credit card and was told possibly, yes. 
I want this matter looked into and have the truth be told. If I do not get the card I will close my account due to bait and switch practices.

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 2023-06-14
Company: Self Financial Inc.
State: TX
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:
Ive recently checked my credit report and I see there are accounts that Ive never opened and I need them removed IMMEDIATELY! My grandmother that I used to live with XXXX XXXX open this account using my information trying to so call help me when I never asked for this account open.I never knew about this account till now I had a problem going on where she was using my information so I couldnt move and leave her home so when I do ever go to get a apartment I cant because of her messing it up and the police got involved and she lied multiple times. She has opened multiple accounts in my name even a loan and I dont know how to even get a loan I just turned XXXX. Please remove this from my credit report. 

Self Ive called yall about a late payment because She messed it up she has access to all my information Ive mad a police report because shes trying to mess my life up since I left her home.she had access to my bank account since I was connected to her bank account before I was able to make my own. 
Remove the late payment from my credit report or close the account and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Receivables Performance Management, LLC
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 XXXX, 2020, RECEIVABLES PERFORMANCE add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA RECEIVABLES PERFORMANCE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2021-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020, XXXX XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and now I request legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02
Company: Experian Information Solutions Inc.
State: TX
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:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results.

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 2023-05-05
Company: Waypoint Resource Group, LLC
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:
During the time of my incarceration someone stole my identity. They have the wrong birth year on XXXX credit report and addresses. I have 4 accounts, XXXX XXXX XXXX  {$590.00} on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account I never approved or asked to be added to on XX/XX/XXXX and also XXXX XXXX XXXX  {$720.00} on XXXX XXXX XXXX XXXX  on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX  Can you please investigate and remove from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: Experian Information Solutions 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:
Was denied a credit card because Experian has my credit score as " XXXX  '' - XXXX/XXXX has my score at XXXX - excellent. Additionally, Experian has listed as reasons for denial : 1 ) Lack of sufficient credit history on background - NOT TRUE - have had credit accounts since the late XXXX 2 )  Balances relative to credit limits reported on revolving accounts - NOT TRUE - I have a XXXX balance on one credit card and a low balance on 2 other accounts ( < $ XXXX ) 3 ) Number of auto trades - NOT TRUE - I have never " traded autos '' in my life 4 ) Delinquency reported on accounts - NOT TRUE - I have never had a delinquency - not once, not ever.

5 ) Number of inquiries - NOT TRUE - Transunion/Equifax report inquiry number as " XXXX '' - zero Had to waste 2 hours trying to find the real number to speak to a human being at Experian. When I finally received the number, rep was combative and unhelpful. 
How/why is this company allowed to influence decisions on credit, rates, etc., when they are grossly incompetent and indifferent? This is costing people time and money and no one seems to care.

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 2018-04-15
Company: Performant Financial Corporation
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Please see complaint XXXX for background. 

The credit company listed in previous complaint would not answer my attempts to resolve debt. XXXX XXXX XXXX passed the claim my account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. All communication between myself and XXXX XXXX documented in previous complaint. They then sold my debt at of XX/XX/2018 to XXXX. 

They ignored multiple communications from myself attempting to resolve this debt and have now passed along my details to another debt collector who has added additional collection fees. The debt keeps raising and no one is willing to resolve this debt because they say it is no longer theirs, as XXXX XXXX did on the original complaint. 

Is this behavior legal because it appears to be a manipulation to extort additional fees and an active ignoring of my attempts to resolve this debt. This pattern began with XXXX XXXX and has continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Request has been made to Nationstar Mortgage Holdings Inc in XXXX of XXXX  to remove Private Mortgage Insurance ( PMI ) due to 80 % loan to value being met. Nationstar refused to submit a request for an appraisal to be done due to the loan being under 2 years and no " major updates/ square footage '' being added to the the home. The home has gone through and extensive porch renovation, plumbing replacement, and complete bathroom remodel. Nationstar alleged the prior mentioned renovations are " maintenance '' and would not meet the requirements to obtain an appraisal for PMI removal. According to THE SERVICING GUIDE / Part B, Escrow, Taxes, Assessments, and Insurance / Chapter B-8, Mortgage Insurance / Section B-8.1, Conventional Mort / B-8.1-04, Termination of Conventional Mortgage Insurance obtained from the XXXX XXXX Website . 

We meet the following excerpt : If XXXX XXXX minimum two-year seasoning requirement is waived because the property improvements made by the borrower increased the property value, the LTV ratio must be 80 % or less. 
Note : The borrower must provide details to the servicer on the property improvements made since the mortgage loan 's origination. Improvements that increase value are typically renovations that substantially improve marketability and extend the useful life of the property ( e.g. kitchen and bathroom renovations and/or the addition of square footage ). Repairs that are made to keep the property maintained and fully functional are not considered improvements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: ALLY FINANCIAL INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Auto loan through Ally Financial was opened XX/XX/XXXX fir {$30000.00}. The loan payments were roughly $ XXXX/mo. The monthly payments were made on time or early each month and at times made with double payments all the way until XXXX calendar year. There were three months were the payments started to get late do to marital issue at the time along with some other financial issues that arose from the start of marital separation and divorce. Ally was contacted on multiple times regarding the late payments and sought help from them for possible refinance, or any other assistance. I was told that at the time of that they were unable to offer assistance because the principal amount was not low enough for a refinance, however I argued this point with them and informed them that I applied for a refinance with my personal bank and was approved for loan with lower interest rate and payment however the amount approved was for minus {$2000.00} so I would have still been left with a balance owed to Ally and had to make two payments. The vehicle was repossessed around the summer of XXXX. I had sought more help from them after the repossession due to having {$200.00} dollars less than the full amount to get vehicle back amd they refused to work me regarding a plan as like was done leading up to the repossession. The vehicle was sold in auction however the amount sold for was not able to cover remaining balance. Since XXXX the auto loan went to collection and had been paid back under hardship at {$25.00} a month. The loan was recently sold to another agency and they are threatening legal action because its being paid back under hardship and not at a high enough payment. The amount owed is {$12000.00}. 
Ally recently hit my credit report after I filed a dispute through the credit bureau requesting the monthly payment of {$25.00} be reflected as being paid toward balance and instead I encountered a 32 point hit because they claim I only pay 6 % of the time. It is my belief that Ally benefited from their predatory practices that only benefited them and not the consumer that held the loan by negotiating terms or stipulations that were not achievable by the consumer therefore causing financial harm to the consumer while Ally made money off of the consumers financial trouble.

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 2020-11-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received a call from XXXX offering me a deferral of my lease payments for {$86.00} on XX/XX/20 at XXXX XXXX  This call sounded fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Reason ; The reason for my complaint is that in our current loan refinancing with cashcall mortgage, we have not been treated fairly in the refinancing proccess. 

What happened ; Started refinancing with cashcall mortgage in XX/XX/XXXX and still have not funded our loan. 

File Complaint ; Cashcall mortgage loan rep XXXX XXXX and loan processor XXXX XXXX have caused a lot of pain and suffering in the last 3 plus moths with the continuous lies about funding our loan and not delivering. our last update was XX/XX/XXXX from XXXX XXXX telling us that our loan was funded and of course it has not. 

Company Involved ; Cashcall Mortgage Who are the people involved? 
XXXX XXXX ( Loan Rep ) and XXXX XXXX ( Loan Processor )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is my second time writing for these companies to update my personal information on all my credit reports. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. 
2. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed.

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 2023-09-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Citizen Bank merged with XXXX in XXXX of 2022 where the merge was done in a rush and Citizen Bank was not internally ready for the act. Citizen never provided statements or new loan numbers nor trained any XXXX staffs at branches about their internal banking systems to provide a clear and accurate information about my persona line information. Every time I went to the branch, I had to sit with the previous XXXX staffs to call Citizen bank customer service and would took over an hour or two hours, and still couldn't get an answer about how and what to pay on my personal line, not even an account number was provided until months later of the merge. However, Citizens had reported to credit bureaus on my credit that I did not make payment for extensive time. I am a XXXX XXXX XXXX person so making it to branches to understand what the new bank system are very hard. It was a very complex and confusing internal banking system they have with my personal line, checking and savings accounts. I did make payment on the loans eventually after XXXX staffs are better trained with citizen bank system and able to help me right away without needing me to sit there for hours to call customer service for answer. It is not fair that citizen bank created chaos for customers on their merge with XXXX and resulting customers not able to make payment for the loan due to lack of loan information and could not understand complex of their banking system. It is not fair that Citizen Bank reported for loan delinquency to credit bureaus hurting my credit score significantly. I have tried to communicate with Citizen bank on my own but they refuse to admit to their own insufficiency on merge and resulting in my non-payment and hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
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 am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 

The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the business that sent you that information.

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 2023-11-28
Company: Williams & Fudge, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX of Williams and fudge law firm. Contacted my place of employment. I hve never given them this information or permission to contact me there I dont even know how they got the Information. I have talked with them about proof of debt and what they provided did not convince me of the debt and I do not agree with it the school they represent us trying to collect a debt on classes I did not take after I left school and has not provided a clear receipt of debt owed I told them I dont agree with it and will contact the school to sort it out I got an email from the school saying ignore it and forwarded the email to Williams and fudge I do not know why they are trying to collect I havent heard from them in over two months and now they just randomly call my place of employment. At this point I wish to not be contacted by them any more it is very unprofessional and is harassment why they have done. They clearly went out of there way to find my place of employment d call them without my permission or asking me or getting that information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: TX
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:
since XX/XX/XXXX  ive asked for verification of written consent, ive sent certified mail of a dispute letter that according to 15 USC 1681b ( 2 ) and 15 USC 1681c-2 ( a ) my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management , LLC is trying to collect a debt on XXXX 's behalf for equipment that was returned years ago. Credence info : Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are trying to collect money for XXXX equipment that was returned to XXXX. I don't have dates or receipts because it was years ago, why would I? The amount is for {$140.00}. I have talked to XXXX multiple times about this and they keep saying I need to prove I returned the equipment, but how can I possibly do that? I dropped it off at XXXX years ago and they packaged it up and sent it to XXXX. I have heard of XXXX doing this to other customers and have it had it happen to friends. This is no different than ransom ware. Demanding payment for something that happened years ago or they will send you to collections? Pay us or we'll ruin your credit score? This practice should be illegal.

Company response to consumer: Closed with non-monetary relief