BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX : {$2600.00}

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 explanation
Consumer complaint received 2023-04-05
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Was notified by Citibank they thought a fraudulent charge was made to my XXXX on XXXX XXXX I called as requested stated I had not traveled to XXXX  and did not make any purchases on the card except from XXXX which was paid off in full I provided Homeland security statement if No Travel using my passport Provided computerized county work record for the month in question showing I was at work also provided a copy of FBI report I filed They will not change their mind XXXX even tried to assist but were unable to overturn Citibanks decision The bill is now {$500.00} more that at the beginning I did not make these charges My almost perfect credit rating is declining at a very fast rate My XXXX score has dropped by XXXX points I am over XXXX XXXX XXXX I feel this is elder abuse identity theft and I feel very violated by Citibank Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Delinquent payment of credit on my credit report. XX/XX/XXXX & XX/XX/2022 I do not have a credit card with this company, XXXX XXXX XXXX. Can't contact XXXX  XXXX XXXX  directly. This is fraud.

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 2023-02-24
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called into this company in response to a collection notice I receive via email. I spoke with an agent named XXXX XXXX. He was rude from the get go of the phone call. This particular debt was taken on by another collection agency previously and I received a letter that they have dismissed the debt after I disputed it. Now all of a sudden ERC is trying to collect on it. When I explained this to XXXX XXXX, he was rude in his response to tell me that it was my fault because I did not do what I was " supposed to do '' in regards to the debt. He outlined all these steps that I " should have '' done. I asked him how would I have known that if nobody has previously told me to follow those steps and if the previous company dismissed it. He continues on, rudely, ( paraphrasing ) " and here we are again, that's why you're here because you didn't follow what you were supposed to do. '' He was condescending with me throughout the entire call. I did not appreciate his tone, attitude, nor the way he handled the situation. The website he gave me to file a report is a non working website. I am not sure of the legitimacy of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: NC
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:
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 a 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 2023-07-27
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 recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * XXXX Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under XXXX XXXX XXXX XXXX that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 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 2023-01-02
Company: ENCORE CAPITAL GROUP 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: Was not notified of investigation status or results

Complaint:
PLEASE SEE THE ATTACHED LETTER THAT WAS SENT LAST MONTH TO MIDLAND FUNDING. I AM ASKING FOR VALIDATION BECUASE THIS ACCOUNT DOES NOT LOOK FAMILIAR TO ME AND I HAVE BEEN COMPENSATED FOR A DATA BREACH SO THIS MAY BE THE CASE. ALSO, I DONT SEE THAT XXXX IS LICENSED IN THE STATE OF XXXX  TO COLLECT DEBT. I CAN BE WRONG BUT PLEASE REFER TO THE LETTER AND PROVIDE THE REQUIRED INFORMATION. IF NOT, PLEASE CONTACT THE BUREAUS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS IMMEDIATELY. EITHER WAY, I AM EXPECTING A RESPONSE REGARDING THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: PLAZA HOME MORTGAGE, INC.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX ( Plaza Home Mortgage ) has been servicing my loan since XX/XX/XXXX. This XXXX XXXX XXXX mailed the XXXX real estate tax document to show what payments are due this year. Since our property taxes are paid through escrow on our loan, I logged into my account to make sure these payments were already updated, especially because there was an increase of almost {$1000.00} this year. Property taxes were not yet updated so I called customer service and they told me to email the document to them so they can update and recalculate how much should be put into escrow to cover our payments this year. They updated the first installment payment only. I have called customer service multiple times to request they add the second installment payment. They keep citing errors made on their end and kept assessing {$7.00} fees to re-calculate my loan even though every time was due to their own mistakes in updating the loan. Last time I called I spoke with someone in the tax department for an hour. They emailed me an update on XX/XX/XXXX to say everything is updated and taxes will be paid on time. I emailed back XX/XX/XXXX to AGAIN request they add the second installment payment due to the escrow account so that our monthly payments include any additional money needed to cover taxes this year. I still have not heard back from anyone. This has been a common theme in dealing with XXXX. They don't consistently respond to my inquiries and I've had to call and email many times for the same request, just to have my loan updated accurately. Communications regarding my loan have been hit and miss and the communications I do receive are always severely delayed. Now, I've been notified that they are transferring my loan to a different servicer and I'm concerned my loan is going to be sent to the new loan servicer all messed up and that impacts my monthly payments. My experiences are showing XXXX to operate in dishonest and chaotic ways where I, as the customer, is getting the short end of the stick. This feels unfair and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
JPMorgan Chase issued the credit card. 
My daughter who is an authorized user set up the card to use as payment for XXXX transactions. She did not receive any notices about fees when she set it up. 
Later I noticed that the bank was charging a {$10.00} fee for each XXXX payment, some of which were only {$2.00}. All of the transactions were small, averaging {$10.00}. 
Although I always pay my card off monthly, the bank also charged interest of more than 29 % on the XXXX transactions. 
These fees totaled up to several XXXX dollars over a few months. 
When I realized that I was being charged a lot of fees called " transaction fee '' on my statements, I called and asked the bank to explain the fees. They said that XXXX payments are considered cash advances and subject to a minimum {$10.00} fee and interest. I never take cash advances because I know in general that the fees are high. I do not recall ever receiving a notice from the bank that XXXX payments were subject to cash advance fees. Moreover, the way the fees were characterized in the credit card statements was opaque if not outright deceptive. 
I asked the bank to waive the fees. They agreed to waive 1 fee of {$10.00} but not the remaining fees. 
These fees are egregious. The bank did not provide sufficient warning to the client before or after imposing them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023, I have sent {$250.00} to XXXX XXXX XXXX XXXX  account and the money has never been available. I have contacted Moneygram multiple times and they told me that the money was available but the receiver, XXXX reportedly stated that the money has not been available because the money never lands in her account. I have contacted Moneygram multiple times and the Moneygram did not resolved my issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I attemped to withdrawl {$500.00} with a XXXX XXXX bank card, from a Huntington Bank ATM located at XXXXXXXX XXXX  XXXX XXXX XXXX, Ohio XXXX. The machine made the sound of despensing the cash but when the cash slot opened there was no cash. I thought maybe I hit a " LIMIT '' on the machine or even my account. 
I reinserted the XXXX XXXX bank card and made a second attempt to withdrawl of {$400.00} cash but this time I was successful. 

I thought I had just hit a limit and thought nothing more about this issue. I have accounts at both Huntington Bank and XXXX XXXX XXXX. 

The following day I got a banking summary from XXXX XXXX and to my suprise the was a debit for both {$500.00} and {$400.00} on XX/XX/XXXX I called XXXX XXXX and file a compliant thinging everthing would be corrected. Well 4 months later I am still battling the banking system. 
I have made several trips to Huntington Bank and talk with a XXXX and and XXXX XXXX who wanted to help but nothing was ever resolved. Several calls were made to XXXX XXXX with no results. 

I have even brought in my finacial advisor which is the connection to XXXX XXXX. 
DOCUMENTATION REFERENCE INDEX XXXX ... ..document showing XXXX ATM transaction on XX/XX/XXXX XXXX ... .case no. XXXX XXXX XXXX of above XXXX... ..another contact document XXXX ... ..another attempt to resolve issue-new case no. 
XXXX ... ..provision credit XXXX ... ..reversal of credit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-01-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm thee XXXX credit reporting agencies have done to me. 


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 2023-03-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My servicer is charging ridiculous fees to my mortgage account when I have repeatedly told them I live in the house. They have sent a company to my house multiple times in the same month. I have made contact with the company and let them know I live in the house. Each time I speak to Pennymac I let them know I live in the house. They even tried to rekey my property while I am living in the house. This is illegal. This is theft by taking. I called Pennymac and they claim they are looking into the matter. All they did as a result of looking into it is increase my balance with their junk fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We rented an apartment from XXXX XXXX XXXXXXXX XXXX ( a XXXX XXXX XXXX ) in the XXXX area for 7 years and left on good terms a few months ago, owing nothing. Now, this week, Fair Collections & Outsourcing of XXXX, MD, has sent collection letters to both myself and my husband, claiming we owe {$53.00}. The letters are bogus but say we're required to send a written, mailed response if we don't want phone calls from these people. The company has our names, our permanent address and the name of the apartment we rented from, including the correct unit number, which means someone sold our rental information to scammers.

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 2023-01-25
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A : States I have the right to privacy. 

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-01-13
Company: CITIBANK, N.A.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX sent me a first letter dated XX/XX/XXXX. I did not receive until today XX/XX/XXXX. 

This credit card debt is for Citibank , N.A . Double Cash Card, that was discharged on XX/XX/XXXX. On XX/XX/XXXX this debt was sold to XXXX XXXX XXXX ( " XXXX '' ). I filed for XXXXXXXX XXXX on XX/XX/XXXX. I no longer owe this debt. 

I asked my XXXX XXXX XXXX XXXX  XX/XX/XXXX to send a " Cease and Desist '' Letter to XXXX XXXX XXXX XXXX XXXX. 

The amount of the debt is {$1900.00}, that I no longer owe due to filing this Credit Card in the XXXX. 

This Debt Collection should not even exist and they need to XXXX XXXX XXXX XXXX XXXX  the debt collection attempt for a debt I no loner owe due to XXXXXXXX XXXX that was filed on XX/XX/XXXX, and the Citibank XXXX XXXX XXXX  was included in the filing. Any further collection is tied to that filing. This debt collection needs to stop.

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