BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-24
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have recently pulled my Experian credit report and contacted the XXXX County to verify a BK that is reporting inaccurate information. They stated that this information is not reporting and any source that is saying they are able to obtain this information is falsifying information. I have recently put fraud alerts on my accounts due to this. Please review and remove the following on my credit report. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. The must be deleted in order to show my true credit history. 

XXXX Court US BKPT CT WI XXXX Plaintiff Liability XXXX Asset Amount {$0.00} Bankruptcy chapter XXXX-dismissed Date Filed XX/XX/2012 Reference # XXXX Court XXXX BKPT CT WI MILWAUKE XX/XX/2012 Reference # XXXX Court US BKPT CT WI XXXX Plaintiff Liability XXXX Asset Amount {$0.00}

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 2018-06-11
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Continues to call after I've told them to STOP calling. I have now received FOUR calls since the last time I notified them to stop calling. Each time the agent who calls says this is the first time they've called, meaning them the person NOT the company. It's a lie and a tactic to skirt around the fact they've been told not to call. I have received no notice in the mail yet they continue to harass me via phone for collection. EACH person says they'll put it in their system not to call then proceeds to still harass me about the debt.

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 2018-01-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Property was purchased in XX/XX/XXXX for {$230000.00}. Assessment value of {$230000.00} at time of purchase. Loan was for a 30-year fixed at 95 %. Accelerated payments were made to the loan to achieve over 20 % accelerated equity in just over 1 year. 

The loan states it will remove the monthly PMI on XX/XX/XXXX unless the " the principal balance actually reaches 80 % of the original value of the property '' and four conditions are satisfied : I feel the bank and I agree that first 3 points are met, the four data point : " we receive, if requested and at your expense, evidence satisfactory to the holder of your loan that the value of the property has not declined below its original value, and certification that there are no subordinate liens on the property. '' I kept asking why is the bank requesting a BPO or assessment and they have not been able to respond to this question after multiple requests. The bank responded with it is required per the contract. However, it is not required, it is " if requested '' It has only been about a year. Why is it requested? The XXXX XXXX market is increasing as a whole and multiple documented sources provided. 

After 6 unsuccessful emails back and forth where the bank providing the exact same document I provided on my initial request to them. ( I kept asking " why '' is it being requested when it has only been a year ) I conceded and agreed to paying {$100.00} to {$300.00} ( the bank states its somewhere in that range ) for a BPO assessment. 

The result of the BPO stated the house decreased in value from $ XXXX to $ XXXX. The BPO failed to use the same floor plan that sold on the same street for $ XXXX and has a smaller yard, only 2 car garage instead of 3, and less upgrades inside. Also, there is a similar house that just sold two doors down for $ XXXX with a slightly larger lot but significant electrical issues. 

Please assist with removing the PMI. We need our loan balance needs to be below {$180000.00} and the current balance is at {$180000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Southwest Credit Systems, L.P.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
lost wallet years ago and i am a product of my negligence of leaving my wallet in a supermarket to only come back and it be gone ever since I haven't had any breaks years of repair is needed to stop these fraud accounts from being resold to new collection agencies act # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Tried to come to them with a half pay out

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 2020-12-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX XXXX XXXX XXXX All companies which I have accounts in my name that were all due to 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 explanation
Consumer complaint received 2021-05-04
Company: Sa-Vit Enterprises, Inc.
State: PA
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 have received a copy of my credit report and it shows company SA-VIT COLLECTION AGEN ( Original Creditor : XXXX XXXX OF XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2022-08-08
Company: Upgrade, Inc.
State: MI
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 tired of XXXX  and UPGRADE reporting false information on my credit reports. I disputed these accounts with XXXX, XXXX, and XXXX, and the bureaus failed to update my report. I included these accounts in bankruptcy and they are still reporting a balance. Also, I have fraud inquiries on my reports the inquiries are as follows : XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021. I did not give these companies permission to run my credit. I don't know how they got my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-06-11
Company: JPMORGAN CHASE & CO.
State: AR
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:
On XX/XX/XXXX, we purchased a treadmill through XXXX for {$1300.00} on our Chase ( Southwest Airlines ) card. The treadmill was not delivered to us -- with many ( documented ) calls and chats to/from XXXX. We received tracking information showing it was delivered to someone we don't know in a different city. XXXX kept asking for more time to deliver it to us.

On XX/XX/XXXX, after 6 weeks, we disputed the charge with Chase after trying to cancel the order with XXXX. XXXX then challenged our dispute -- stating they had delivered the treadmill. After many calls with Chase, we mailed back to them a 50+-page packet on XX/XX/XXXX showing our paper trail ( chat call logs and dates/times of phone calls, etc ) including the delivery of the treadmill to the other city, not to our home address as it showed on the order. Chase had sent that packet to us -- and it already showed our address on the order, as well as the address in the other city where it was delivered. In talking with Chase representatives, they never seemed to " understand '' that they had the information -- instead putting the onus of proof on us.

Today, XX/XX/XXXX, I received an email from Chase that the " Return Protection '' on my card is no longer available -- even though the dispute has not been resolved yet. I called Chase. I spoke with two different representatives trying to complain about the Return Protection being cancelled. XXXX told me that the service provider for benefits is a different company. I asked her if Chase does not care that this other provider is not handling disputes well and that I plan to cancel my card. She re-directed my call back to the original menu. After being on hold again, I hung up.

I am complaining that my " Return Protection '' was terminated simply because I challenged the charge -- even before the dispute has been resolved. I also am complaining that disputing the charge has been difficult and time-consuming when they had evidence that we never received the treadmill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 was been stolen, I have contacted TransUnion regrading this issue a ton of times and they refuse to help me. I have mailed paperwork after paperwork and they have done nothing for me. I need some 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 explanation
Consumer complaint received 2020-06-26
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been using a money lending company called XXXX to help me financially. To do this they need to access my account which they have been able to do and now PNC wont let them access my account. Its my account so why is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2018 i tried submitting dispute with Equifax relating an issue they reporting on credit report they could not identify me because they base your identity on fraudelent information if these accounts are fraud how are they suppose to identify me if it was not done by me this is the reason Im disputing them. however XXXX XXXX investigated and erased this from my credit report why is Equifax still showing this as owed if is not mine im very fustrated and will be taking legal action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX the XXXX I tried to move from my wallet into a exchanger and it said 72 hours waiting time. Somehow i thought maybe the vault will be faster ( XXXX  me ) I havent used the Coinbase account for more than 3 years and my secondary e-mail address doesn't work anymore. Tried it and it bounced. I contacted support via the phone number listed on there XXXX Waited for 50+ mins calling from the XXXX.. Got someone on the line and they said they moved my case to another expert team for this and they would move my coins back to my wallet and they would delete my vault. Now more than a month later no answer what so ever.. the reply on my ticket says " I have just forwarded your case to our subject matter experts who can help. They will get back to you shortly. '' Define shortly ... Not happy about this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have made mortgage payments to Select Portfolio Servicing Inc. They failed to report receiving the payments. 

I need them to correct the statements to include all payments received. 

I also want to request the Note on the property. The mortgages have been inactive on XXXX for years, and the last know servicer is XXXX XXXX XXXX, so why is SPS my servicer, do they have rights to service my loan, who gave them this right?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ALERT we, us, my wife and i received, in our mailbox manufactured electric utility bill statement that we were required to send in upon our several modifications in XXXX ( pg 23/60 ) has been manufactured somebody at Nationstar physically changed the names on the bill.This statement is false, she has never had our electric bill in her name. This also ties in with the manufactured hardship letter as well, tax documents and, cut-copy-pasted dates and signatures.We do not agree with fraud.This is clearly illegal. Possible marital status discrimination? Please explain how her name got onto my bill? Well done i might add it looks very professionally done.We have several other significant issues HUD-1 errors, credit reporting errors, insurance errors.XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

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 2021-08-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XX/XX/XXXX - Sent in a dispute to XXXX and to all 3 credit Bureaus requesting that the account get investigated for accuracy. The credit bureaus and the XXXX came back and stated that the account was verified as accurate. 
XX/XX/XXXX - I requested a method of verification. This was not provided to me XX/XX/XXXX - Sent a dispute again for the inaccurate information XX/XX/XXXX - 4th dispute requesting investigation of the account. 
-- -- The date of last activity is listed with XXXX  as XX/XX/XXXX, XXXX  XXXX and Equifax XX/XX/XXXX. This is years a part. If they are getting the information from XXXX how is this possible. Along with the High Balance. XXXX XXXX  is showing an high balance {$64000.00}. And Equifax is showing a high balance of {$21000.00}. This is just confusing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 been a victim of identity theft 2 years ago. I am disputing this account with credit management this should have never been reported to my credit reports. XXXX XXXX XXXX XXXX. This account is under my ss # but a females name? How did this happened? Where is the I.D .? Why do the credit bureaus need 30 days for something that's not legit .Please remove asap. XXXX XXXXXXXX / XXXX XXXX was paid with creditor XXXX XXXXXXXX on XX/XX/2018 Please update and remove. XXXX and XXXX have fraudulent inquiries that were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX ( XXXX, alabama ) XXXX XXXX XXXX XXXX XXXX XXXX ( alabama ) 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 explanation
Consumer complaint received 2018-12-30
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The loan balance is significantly higher than what was received for school. Previously, I requested copies of promisory notes. The copies received had false email addresses and addresses where I never attended school. When Navient calls, I do not avoid them. Please help because they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was hacked into and a lot of transactions were made that were not authorized on my account. Some transaction left me in a horrible state to where I would be in the dark and my vehicle would be taken. Do to this situation I had to make a lot of life altering decision so that I could pay those bills. I advised my bank CHASE to mot send those payments back through due to I had to make other arrangements to pay those bills so the I would not be in an even worse position that I was. On top of going through all of this Chase is continuing to overdraft my account with all the charges that were already paid and are doing nothing to help in the matter at hand of my account be hacked other than closing that account. I have been continuously having whatever money I have been having direct deposited being taking away do the charges they keep adding to my account. Which is continuing to put me more and more in a horrible position on trying to live day to day. They are making things worse by taking from me instead of working with me to make things better for me since I was the victim of identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-23
Company: EQUIFAX, INC.
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:
Equifax did not provide name, contact information or documentation for the data furnisher in response to my Method of Verification Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: PNC Bank N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a new PNC cash reward credit card and was suppose to get a bonus of {$100.00} when I spent {$1000.00} or more in 3 billing cycles which I did. Unfortunately XXXX and PNC both blame each other for I not receiving the promotion and have refused any compensation after numerous phone and bank correspondence. I am now asking the CFPB to send both XXXX and PNC this complaint for a timely response for failing to honor and advertised promotion and reason why and ask they include the legal address to send any possible future notices of appearance if unable to resolve this matter. Furthermore, this complaint was sent to the CFPB to take note that it may upon further investigation possibly trigger discovery of predatory banking practices and unfair business practices with possible violations of the Dodd Frank and Consumers protection acts. Opening new accounts and credit to cosumers under false pretenses is not only unfair business to consumers it is also unfair to big banks like XXXX and XXXX XXXX XXXX who offer competing offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: Bread Financial Holdings, Inc.
State: AZ
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:
XXXX account was opened in my name but does not belong to me. My information was lost. And now I'm being charged for this account

Company response to consumer: Closed with non-monetary relief