BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This credit reporting agency will not update my account status to paid in full. Because this account is paid off.

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 2021-12-02
Company: EQUIFAX, 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:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. Due to Equifax being a Consumer Reporting Agency and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

15 USC 1681c-2 states that a Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, no later than 4 business days after the receipt of the following : 1. Appropriate proof of identity of the consumer ; 2. A copy of an Identity theft report ; 3. The identification of such information by the consumer ; and 4. A Statement by the consumer that the information is not information relating to any transaction by the consumer.

Equifax received everything required under the FCRA needed to place a block on the information that resulted from identity theft as proof through CFPB Complaint number XXXX submitted on XX/XX/2021. It is now XX/XX/2021 and Equifax has yet to place a block on all information resulting from identity theft. 15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information. If Equifax allows its business partnerships with these organizations to continue to violate my FEDERALLY PROTECTED consumer rights, they will be liable to me for XXXX XXXX XXXX XXXX and any other actual damages caused as a result of the failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity and credit file has been modified and completely compromised without my knowledge nor consent. I'm in direct belief that my identity may have either came vulnerable via the dark web and/ or within the data breach. I'm demanding that the following unauthorized accounts be removed and blocked from my credit file after it's determined that these accounts are not mines. 

1. XXXXl XXXX XXXX XXXX 2. XXXXl XXXX XXXX 3. XXXX XXXX/ XXXX XXXX 4. XXXX 5. XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX {$610.00} 8. XXXX XXXX XXXX {$590.00} 9. XXXX XXXX {$70.00} 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX {$790.00} 11 ) XXXX XXXX XXXX {$160.00} 12 ) Dept of EDXXXX   {$31000.00}

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX 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 2022-02-02
Company: Avant Holding Company, Inc.
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 debt was awarded to my ex-husband, XXXX XXXX, in XXXX of 2021. I provided the company and the collection agency with the divorce paperwork asking t Them to remove it from my credit. No response from either company. In XX/XX/2021, I contracted with a credit repair agency to get this taken care of. They have sent multiple letters to avant and absolute resolution, the collection agency on my credit report, with no response and they have not removed it from my credit. I do not know what to do to get these people to take this off of my credit. I have sent them legal documents, the credit repair agency has sent them multiple legal documents, and they are doing nothing that late they are legally obligated to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Selene Holdings LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom this may concern : We were approved for a loan modification with our mortgage company at the time. Consumer loan financing. Our first payment was due XX/XX/2021. I called to pay that but was advised our loan was sold to Selene finance XX/XX/2021. Therefore my payment was denied. As I was told all payment history on file was null and void with consumer loan financing as of the XXXX of XXXX. I spoke to consumer to see whom we were sold to. The response was Selene finance. Consumer gave me their number and I immediately started calling. I can not tell you how many times I called Selene probably 30x at least! I started calling around the XXXX of XXXX prettt much begging them to take a payment which had been agreed upon for the loan modification. Selene told me they could not take anything as records had not been downloaded from consumer and they couldnt prove they were my mortgager or that I had a modification. I was told to call back in a couple weeks. This continued I for many months. Then all of a sudden around XXXX they said they had the information and if I wanted to keep my house I had to pay 3 months all at once! At this point I knew we had put in for Covid relief funds thru Vermont and we would be approved. I told them this and every person I spoke to had something different to say! I would ask to speak to a manger and was told no multiple times! They would pass me through and if they did we never received a call back! Finally I knew we weee approved by Vermonts VHFA! But they could t pay bc Selene wasnt boarded with them! They too tried to contact Selene and got no where! Selene then sent our mortgage to a law ex firm for foreclosure. This was news to us we never received a letter from the sheriff saying so or even in the mail! Honestly our loan being sent to a law office probably add things easier for us as they actually responded to our calls and emails! MY DISPUTE IS THAT SELENE charged us for XXXX dollars in attorney fees when it never shouldve gotten this far had they honored the modification in early XXXX. Which I was told by my previous mortgager that was a law and they had to for 90 days! I would like to be reindorsed this money as this was on Selene and not us. As far as I am concerned this place of business should not be on business at ALL! Please see all BBB reviews they are all true! They have put us through a living XXXX And as far as we are concerned I should sue them for more than the XXXX dollars in fees!!!!!! Please take this all into consideration and refund us our law fees of XXXX! Thank you! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for a checking account with Chase Bank. I already have a credit card account and a self-directed brokerage account. I tried to deposit money into my self-directed brokerage account when I received a land contract payoff last year. The would not let me deposit the money directly into my account. They said I needed to meet with a service person and I need to make an appointment but due to COVID, they weren't sure when they would be able to meet with me. So I had no choice but to deposit my funds elsewhere as I wanted to reinvest the money immediately, not lose a week or weeks, etc. They would not give me an appointment at that time, they said someone would call me to set it up. So, just a few weeks ago I decided to open up a checking account, they were offering a {$200.00} rebate for opening an account on line. When I applied, they would not give the {$200.00} rebate and said I needed to add a direct deposit to the account within so many days and then I would get the rebate. Then I received an email on XX/XX/22 saying I was approved for the checking account. When I tried to sign in to access the checking account it said my account was blocked for security reasons. I called and they said they closed my account. I asked why. They said they would not disclose why. That I can't open any more accounts with Chase in the future. No reason given. I tried to call three times and was told three times that they won't open any accounts for me and won't tell me why. I have an approximate XXXX credit score, I checked my XXXX and no information on that. If they suspect fraud, I should be able to satisfy their questions, come in and prove my identity. Whatever is required. This is very stressful. I am constantly wondering why in the world I would be denied a checking account. Please help me get some answers, so at least I have peace of mind that they made a mistake and I didn't do anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Experian Information Solutions Inc.
State: MD
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 have repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX, sustantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.

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 2022-04-26
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX reviews my credit report to find a debt for {$570.00} from Midland Credit. It is allegedly through a Company called XXXX XXXX. Not XXXX  XXXX but XXXX  XXXX. I talked to an agent there today named XXXX to see what I can do to get rid of the account because I am wanting to finance something in the near future and it appears this account is from 2018. I did not verify that I owned this debt at all as I an not liable for it but I do want it taken care of. It was not resolved with that agent and at this time I am Filing a complaint. The company has nothing with verification of my identity however they have somehow collected my address and social. Nothing with my signature signed saying I owe them or the other company. This is a fraud tactic to collect and old debt not owed. I am truly disappointed and furthermore upset after I tried to resolve it but no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2017-12-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I checked my equifax credit report and found reporting XXXX XXXX XXXX credit card closed account which should not still be in my credit file. I took up the matter with XXXX XXXX XXXX and they say they are not responsible for that in my report and I should contact equifax. I informed my local DA office and they want me to contact equifax and if the matter is not resolved then I send them the information. This XXXX XXXX XXXX credit card should have been removed from my while ago but still continue reporting in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: U.S. BANCORP
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The response provided by USbank is NOT accurate... again. There must be some kind of misunderstanding here. I have attached the letter that they provided with their response and highlighted key statements. The red highlighted text identifies the inaccurate statement and is copied below. 

USbank red quote : " This balance transfer is the oldest balance on your account and is where your payments are being applied currently. '' -This is painfully untrue. The XXXX XXXX balance transfer identified in the letter for {$6400.00} is NOT the oldest 0 % balance. The OLDEST 0 % balance is the purchases balance of {$750.00}. Hence why the promotion on the {$750.00} balance ends almost a year sooner! 

The yellow highlighted text is USbank 's acknowledgment that all of my accounts are 0 %. Therefore, all future and past payments should have been applied to the OLDEST balance first ( {$750.00} ) until it reached ZERO $ .

USbank yellow quote : " As explained in our previous response, for balances with the same Annual Percentage Rate ( APR ), payments will be applied to the oldest balances first. As all of your balances are currently at a 0 % APR, this is the rule that pertains to your account currently. '' - The " rule '' mentioned in this quote should in fact pertain to my account, but that has not been the case. In fact, this statement describes EXACTLY what I am trying to resolve. So again, why are my payments NOT being applied to the OLDER 0 % balance of {$750.00}? The quote above clearly states that they should be!

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 2020-04-24
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital Accounts claims that I owe a debt # XXXX for {$3000.00} from XX/XX/XXXX. They say they are from XXXX?? 

I explained to them that this debt is not mine. I also explain to them that I was XXXX in a XXXX XXXX in XXXX?? It would have been impossible for me to make these charges!! 

I never signed and document of agreed to any of the charges they claim. they are not my charges. I have been divorced since XXXX. I believe these bills were made by my ex-wife. I know nothing of these bills, nor was I ever called to authorize them or assume responsibility for them. 

I have asked Capital Accounts SEVERAL TIMES to remove this item from my credit report. I also asked them to provide me with PROOF of these charges and PROOF that they are mine. They have informed me that they have NO supporting documents to supply me!! 

This item # XXXX has to be removed immediately! It is over 11 years old! It is unlawful to makeup charges and attach them to someone credit report without any supporting documents or proof that the claim is valid. 

Please have them remove this item from my Credit Report with XXXX, XXXX and XXXX XXXX Immediately. Thank you I XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Amount : {$550.00} I have repeatedly asked for evidence to support their reporting, but they have failed to provide me with a copy of any viable evidence with my signature substantiating their claims. Futhermore I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: NY
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 a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: PNC Bank N.A.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife lost her job of 18 years in XXXX of XXXX due to the Covid Pandemic. In XXXX of XXXX we entered the Cares Act Forbearance Plan with our VA home loan. We have since exited the Forbearance Plan and have made our XXXX & XXXX of XXXX mortgage payments. 


In discussions with our Mortgage Servicer ( XXXX XXXX XXXX XXXX ) about repayment of our missed loan payments while in forbearance, we had made an agreement on XX/XX/XXXX that we would use the VAPCP Program ( VA Partial Claim Payment Program ). Wherein the VA purchases the forbearance period missed payments and places them in a second lien on the home, which is interest free and payable when the property is sold. 


On XX/XX/XXXX the servicing of our loan, not the loan itself, was transferred to PNC Bank. We have come to find out they will not honor the agreement made with our previous servicer nor will they consider the VA Program as an option. ( verified in recorded phone conversations ). 


They are attempting, with the threat of foreclosure, to force us into filing a Hardship Assistance Application. This in itself would be fraudulent because we are not in a financial hardship situation. This Hardship Assistance Application is 16 pages long and is very similar to a new loan application. If we comply, it will give PNC Bank the right to dictate the manner in which the missed payments are paid back. This is entrapment. 


Through XXXX telephone conversations ( most recorded ) we have determined that their end game is to do what they call a " XXXX XXXX ''. In reality, it will be a new loan because it will have a new total, a new interest rate, a new term length, and of course new fees. 


First, this enables them to add the missed payments into the entire length of the mortgage which will greatly increase the loan. As an example of which, early on, our former servicer attempted the same thing. They upped the interest rate and added XXXX years to our loan, which equalled approximately {$110000.00}, to repay the missed payments which were {$32000.00}, an {$87000.00} fee to borrow {$32000.00}! 


Secondarily, they will now be able to sell the new larger loan and get a big payday because our home has doubled in value, making the loan more lucrative to an investor. 


In summary, If PNC Bank wanted to be simply paid back, they could use the VA XXXX XXXX XXXX, which we chose, and have their money overnight. It is outrageous that a XXXX XXXX Bank, bailed out in XXXX to the tune of XXXX XXXX taxpayer dollars, is using this XXXX economic tragedy to rip off the " little people '' that, back then, saved them.

Company response to consumer: Closed with explanation