BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Like I have provided I have been in prison I am currently receiving disibility check from the veteran department since this loan is now at the seven year mark and theres no way I can realistic pay it with what I make would this company consider a 1099c or if your company coild please remove it from my credit report I was not notified of the account going into forcloser and I have no way to pay it and it is now in the seven year period allowed bi federal law to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: JPMORGAN CHASE & CO.
State: FL
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:
I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal Money order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. A money order was made with the proper clauses and provision based on banking law in the amount of {$9000.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Chase Sapphire Reserve XXXX XX/XX/2023. They accepted and cashed my instrument, but did not credit my account correctly. I did call on XX/XX/2023 and spoke with XXXX a customer care team member and then her supervisor XXXX XXXX and they refused to stand in honor of the law by applying the proper payment. Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without XXXX so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Monday XX/XX/2018 about XXXX I drove to the Bank of America located on XXXX XXXX XXXX nc to make a deposit of {$2700.00} into the ATM that is closest to the building ( ATM ID IS XXXX ). I proceeded as normal to insert my debit card into the machine and pressed the required buttons to make a deposit, as the screen reads please insert cash now I inserted a mixture of {$100.00} bills and XXXX that were equivalent to {$2700.00}, The machine abnormally took a long time and I pressed cancel, two {$20.00} bills came out the ATM and also my debit card was kicked back out the machine and the whole machine went back to its normal original screen saver, I patiently waited in front of the machine for five minutes to see if the money was going to be showing up on my account, it never did, they have a XXXX number on the Atm that I called but the Programing wasnt allowing me to press any options, so I sat there fresh rated for maybe 30 more minutes, I decided to call my wife to see if she can call the one XXXX number from the house phone she had the same results, The next morning XXXX XXXX to call the make of XXXX to make a dispute about the trans action, they told me it would take XXXX to XXXX business days, today XX/XX/XXXX I called and they said that the dispute was finished and they denied me my money, ill be quested for the cameras that on the ATM and they said it would be two more days

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 2023-10-19
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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Comenity Bank is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Comenity Bank report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Comenity Bank please take leniency on my hardship and remove any XXXX  lates as a onetime goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When the XXXX XXXX XXXX XXXX banned XXXX XXXX XXXX from doing business for a few years and fined them for, basically, stealing, they transferred my mortgage ( which they'd had since 1997 ) to Rushmore Loan Management Services LLC. I've never been late on a payment, so I asked Rushmore why all their correspondence, statements, etc. state they're from a debt collector ( the mandated usual notices ) and was advised that it was " just a legal requirement '' which doesn't really answer my question : how can I be turned over to a " debt collector '' for servicing when I was never in default nor asked for loan modification? XXXX XXXX XXXX should probably be the one answering this question, not Rushmore. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX / XXXX / {$270000.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.

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 2018-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I been contacted 6 to 9 x 's a day. Now they are calling them self XXXX XXXX phone number is XXXX  and so on with different numbers. It is XXXX XXXX XXXX calling told them not to call this number. So they call under a different name. On this debt the cable cable company sold out. And called the new company and ask if i owed anything and they said yes so i ask them to send me a bill. And was told they didn't what my money. So this bill is paid and full. But this company persist in harassing me. After being told not to call my number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Chrysalis Holdings LLC
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've received several VA-guaranteed refinance offers in the mail from NewDay USA. First - I am not a veteran or even active duty military. Second - My last name is misspelled. The letter tells me that " you're among a group of veterans selected to apply for a NewDay VA loan for up to 100 % of your home 's value ... ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have repeatedly requested and/or demanded that TransUnion XXXX remove the following fraudulent credit inquiries from my credit report : 1 ) XXXX - Date of Inquiry : XX/XX/2017 2 ) XXXX - Date of Inquiry : XX/XX/2017 3 ) XXXX XXXX - Date of Inquiries : XX/XX/XXXX & XX/XX/2017 The inquiries listed above were provided without my knowledge or consent. They are fraudulent attempts at gaining access to my credit report. I have attempted to contact the credit reporting agency via their online dispute system and via certified mail, and they refuse to remove these fraudulent inquiries. I have added a fraud alert on all three of my credit bureaus, I have followed up and have not received a satisfactory response or any response at all within the time allotted by law.

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 2018-07-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
UPON TURNING IN A AUTO-LEASE TERM, FAKE DAMAGE REPORT WAS SUBMITTED FOR PAYMENT? 
XXXX XXXX finally wrote off the charge but will not remove my DELINQUENT REPORT FOR " 7 YEARS '' which reduced my credit FICO score by 100 points WITH EXPERIAN REPORTING? 

YOU can't injure a Person 's Credit for " SEVEN YEARS '' [ CHARGE IS " SLANDER OF CREDIT STANDING? & DEMAND COMPENSATION FOR INJURE ]

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 2023-04-18
Company: Experian Information Solutions Inc.
State: TN
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 noticed on my credit report that I had a collections account with XXXX. I already paid a balance of {$390.00} with XXXX prior to closing my account with them, bringing my account balance to {$0.00} which I then immediately closed the account directly after. 30 days later, I noticed a collections account of {$390.00} on my credit report. This account is NOT mine and is being falsely reported on my consumer report. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 received a copy of my consumer report, and I noticed some late payments posted on my consumer report on a account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report Maximum Accuracy. I have never been late on payments for XXXX ACCOUNT # XXXX Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payment be updated to on time as they should be as I was NEVER Late.

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 2021-03-10
Company: EQUIFAX, 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:
I PULLED MY CREDIT REPORT. I CANT BELIEVE WHAT I SAW. I HAVE STUDENT LOANS AND IVE NVER ATTENDED COLLEGE. THIS IS HURTING MY PRFILE TREMENDOUSLY. THIS IS A VIOLATION OF MY RIGHTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS. I ALSO HAVE A MEDICAL BILL FOR MEDICAL SERVICES I NEVER RECIEVED. PLEASE HELP ME FIND A SOLUTION TO REMVE THESE ACCOUNTS FRM MY PRFILE. 
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I am a concerned XXXX  's and other lending institutions that purchase conventional mortgages on the secondary market such as PennyMac, XXXX XXXX and XXXX XXXX are imposing loan level price adjustments that are very discriminatory and impart greater costs to lower income households purchasing lower cost homes. These loan level adjustments while holding credit scores, down payment amount and debt to income ratio as static components of the application are ultimately charging a borrower who is getting a lower loan amount a much higher interest rate than if they are getting a higher loan amount. I've run the analysis through multiple lenders, both correspondent, wholesale and broker based and this strategy is costing a borrower over 0.5 % more in the mortgage interest rate. This should be illegal and addressed if a verified and authentic algorithm is not being applied to justify this difference in rate. 

Why is the interest rate higher for a lower loan amount for one borrower if the credit score is XXXX, the debt to income ratio is the same and the down payment is the same? This is not equity in housing and violates TILA & Reg Z. As consumers become aware of this and that they are paying more in interest for no other reason than they borrowed {$120000.00} rather than {$200000.00} it will cause some major issues in regards to equality in mortgage lending and truth in lending. 

I hope the CFPB is taking more actions to investigate these loan level adjustments that are NOT being applied in an equitable manner. This undermines the integrity of the mortgage industry and mortgage professionals who are working to provide their clients with transparent, clear and equitable loan products.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I keep getting calls from XXXX XXXX to collect a supposed old debt but am on XXXX and those funds can not be attached. Previously, in XX/XX/XXXX or so of last year, they attached {$320.00} with no warning or notice from a joint account that my then payee had for me. After she dealt with them, they returned the {$320.00} and said they would not do it again. However, I have moved and no longer have a payee, and they just started calling me again. I want this harassment to stop. Can you please help, at least simply just reply ; I do not want to be ignored. PLEASE reply

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 2023-04-18
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: 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$390.00}, XXXX XXXX Balance Owed : {$160.00}, XXXX XXXXXXXX Balance Owed XXXX {$340.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
Per the FCRA, you must respond within 30 days ... you can not take up to 60 days for this complaint - 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