BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-27
Company: Bread Financial 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 had a hard inquiry to my name and I did not request any credit inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company Freedom Mortgage won't allow me an extension past 12 months to defer my VA mortgage from the pandemic era CARES act extension of 18 months.

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 2020-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}, {$760.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was sent to collection to XXXX XXXX XXXX XXXX by XXXX XXXX. I received a letter from XXXX XXXX indicating that as of XX/XX/22 I owed more than XXXX + interest, but my car was towed on XX/XX/22 and I have proof of that. I sent a letter to XXXX XXXX stating that I never received services from XXXX XXXX on the date stated on the letter they sent me. Then XXXX XXXX sent me a copy of the pink slip, but the date on the pink slip is whited out and written at the bottom sale date XX/XX/22 when I signed off the car to XXXX XXXX on XX/XX/22. Also, XXXX XXXX let me know that the storage fees were owed by law by the others person ( responsible of the accident ) insurance company and I never received any bills from XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX paid my last collection today that was a debt sold to Portfolio Recovery Associates. The debt I paid off on a negotiated  settlement was originally owned by XXXX, XXXX, and the timeline for a legal collection purpose existed. However, upon a discussion with Portfolio Recovery Associates with my attorney on a conference call with me, it was determined that another collection that was originally  owned by XXXX XXXX Nevada, NA actually defaulted back in 2012. So it was determined that Portfolio Recovery Associates acquired a debt that was not valid. Accordingly, this collection should have never been reported on  any credit bureau. Therefore, I respectfully request through the Consumer Financial Protection Bureau that this item be removed from all credit bureaus immediately and permanently. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am submitting my complaint to HSBC USA in lieu of an account  closure letter I received from them dated XX/XX/2020 without indicating the reason for such act. I have been a customer of this bank for 3 months and opened the account at the branch in XXXX XXXX  XXXX on XX/XX/2020. I believe my account was in good standing ever since with no record of any illegal or fraudulent activity. Firstly, I felt such initiative was absurd and unbelievable. I have read stories on the Internet about people who experienced this action from the bank ( HSBC USA ) without any explanation of why such account is to be closed. May it be personal and business accounts, they close accounts randomly without informing the actual reason. Secondly, numerous former customers of this bank shared their anger and frustration as to why their accounts were closed by this bank on an online forum. The action taken by HSBC USA is very inequitable and  vague. I opened the account at the branch to build a financial relationship with them and in good faith. However, all is lost for good is what I get. I am requesting that the bank will reinstate my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: HILLTOP HOLDINGS, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to verify third party with PrimeLending the construction payments I made to them during my loan with them for construction since they don't report it to the bureaus. I have sat on hold for longer than an hour with the third party verifier which refused to stay on hold longer. I need a REAL LIVE PERSON to ANSWER A PHONE with MY OLD ACCOUNT INFO so we can close on our refinance transaction. I was on hold yesterday for 20 min with the third party verifier before we gave up. Today I was on hold with the third party verifier for 1 hour and 20 min before the 3rd party verifier asked if we could try again tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}, {$760.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and  appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not my account.

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 2023-03-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 explanation
Consumer complaint received 2018-08-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The last complaint is number XXXX, I received a response from Penny Mac, on Friday, with their same standard format, indicating they are researching the matter. Based on their past history, this is what will happen, I will receive another standard format in the next couple of days and this is what it will say ... Based on our enquiry we found no evidence that we have done anything wrong. I sent you the copy of their statement and this is what they do to me twice a year. This is been a problematic and chronic. So, in other words it is okay with them to continue their wrath. You can review my previous complaints outlining the same issues. There will never be any enquiries, whatsoever. It is only a standard format, in order for them to follow the protocal, for the government. They have an overturn of employees.

I have pasted one of the links against PM, for your review. This is not a handful of complaints against them. The list is endless. Consumers have posted blogs and it is viral. I contacted a couple of law firms in XXXX XXXX and had spoken with them and each indicated without commenting on the litigation, if there were any class action against Penny Mac and guess what, there are and it is Penny Mac 's employees, who are the litigants. So, I asked, if they were whistle blowers and they replied, reluctantly, yes. I chuckled and replied, they will receive justice.

Did your bureau have any knowledge on the matter? If not, now you do. Now about me. This Penny Mac is ruthless, unprofessional, forgery, fraudulent, thieves, emotional distress, screaming at me, etc. I have uploaded my initial complaint, per XXXX XXXX and thus, as of this day, nothing is whole. I had never heard of this bureau, until XXXX XXXX referred had indicated that it was time for the foregoing complaints and this is not going to stop. 

In addition, their extension numbers and web is ineffective. Do I care, no? They are disrespectful and arrogant. One of the employees, is XXXX. Bad news. All of my payments are through my credit union only, not them. They are not trustworthy. The evidence has been a ten year problem and they still have me in delinquency, as usual. They are a group of XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
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: Public record information inaccurate

Complaint:
I have brought this situation to the attention of XXXX XXXX XXXX XXXX on several occasions and it still appears on my credit reports. XXXX, XXXX and EQUIFAX lists the following : Delinquent Account Alert Type : Delinquent Account Processed Date : XX/XX/XXXX Account number : XXXX Creditor 's Name : XXXX Type of Industry : Miscellaneous Finance Companies Address : XXXX XXXX XXXX , XXXX  XXXX , MO XXXX Payment Status : Wage Earner Plan Creditor 's Preferred Contact Method : Other Consumer Statement : Dispute resolved ; customer disagrees. 

I have attached copy of the discharge from Chapter XXXX and official Payment Plan. You will notice the Payment Plan states Other Provisions Not Included Above : b. The secured claim ( s ) of the following are intended to be paid directly, are not provided by the Plan, and shall retain their lien ( s ) : - XXXX XXXX ( XXXX XXXX XXXX ). XXXX XXXX XXXX sold the loan to XXXX. 

This claim was paid in full as agreed. There were no late payments and there is not outstanding amount. I have the title to the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Letters were sent on my behalf for dispute of credit inquiries and collections on XX/XX/2020, to XXXX XXXXXX/XX/XXXXand Equifax to conduct investigations. After no response within appropriate time frame, I sent 2nd notice letters for demand of investigation on XX/XX/2020 for mentioned collections and credit inquiries on my credit report. The time now has been more than 30 days, and I have yet to receive a response regarding investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ally Financial secretly drained my entire account of XXXX dollars using monthly XXXX dollar fees on an account that I had back when I was with XXXX. This was an account I had using the money I earned working in my teenage years and I had kept money aside in case I wanted to invest. Ally Financial decides to drain my account without telling me, and I only discovered it when I finally received an email from Ally Financial that my account has been emptied on XX/XX/XXXX. This is highly unethical and predatory, and I want my money back. As much as I want to sell everything and move that money they stole to a safe account, they only offer XXXX dollars back when I try their customer service. XXXX says " I do want to reiterate that this is a self-directed account and these fees were disclosed to you upon account opening '' when I actually had the account with XXXX  before it was bought out by Ally and I had it before they even started this nonsense. If they will not give my my money back and let me exit everything via their chat service online, then it looks like I have to try other routes.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2019-08-23
Company: Experian Information Solutions 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:
I have sent out 2-3 letter asking Experian to verify and reinvestigate the Bankruptcy they say is accurate and also has been verified on my credit report. I have not gotten any factual proof of their investigation, yet they continue to report.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

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. 

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 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 2023-03-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account Number XXXX Account Number XXXX JXXXX XXXX {$100000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$10000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
IN XX/XX/2019 MY LOAN WAS PAID UP, THEN THE CAR LOTS WERE SHUT DOWN AND WE WERE SUPPOSED TO BE MAKING PAYMENT TO THE DEBT COLLECTOR THAT THE CAR LOAN WAS SOLD TO. I ASKED THE DEBT COLLECTOR TO COME GET THE CAR BACK NUMEROUS TIMES BECAUSE I NO LONGER WANTED TO KEEP APYING ON A VEHICLE THAT WAS SOLD TO A DEBT COLLECTOR. THEY REFUSED TO COME GET THE VEHICLE AND AUTOMATICALLY PLACED IT ON MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: REGIONS FINANCIAL CORPORATION
State: LA
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 had my phone hacked into by responding to a person who sent me a code saying that they were verifying that I wasnt a scammer. Unfortunately they were the scammer. Somehow through advanced technology they hacked into all of my personal and business accounts and drained the accounts. Money was sent to random people I have never talked to or been involved with in any way. These people or businesss were in different states and different countries. I have filed 5 claims with regions and had 4 denials. They paid back some of it but not all. The remaining amount owed to me is {$11000.00}. Bottom line is that it is regions responsibility to protect my money. In exchange they get to make money and interest off of that money while the money is in regions possession. I can not afford to lose that amount of money. I have been battling this for 2 months now with regions and it has caused me a lot of stress. 

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 monetary relief
Consumer complaint received 2023-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied Capital One Venture card with 800+ credit score and clean credit history and got denied immediately left my credit report with a new hard inquiry. 

This happens for many people commented online citing that Capital One is out of room for new applicants. If that so, then please have Capital One stop recommending and marketing this product to avoid people applying and leaving a hard inquiry on credit report.

Company response to consumer: Closed with explanation