BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-07
Company: EQUIFAX, INC.
State: TX
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: Personal information incorrect

Complaint:
I have lived at XXXX XXXX XXXX XXXX since 1983 and have never had the addresses of Equifax Former Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Former Address XXXX XXXX XXXX XXXX XXXX XXXX. 
Please remove these two former addresses from credit information. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07
Company: PNC Bank N.A.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PNC bank claims that my son took out two loans using me as a co-applicant in XX/XX/XXXX totaling XXXX. He started making payments when the deferment period was over, however he was unable to keep up with it due to lack of income and as a result it was turned over to a collections agency XXXX XXXX XXXX. He again tried to make payments to them and once again fell short. They then reached my husband by phone at home and discussed the situation with him without my consent and caused more stress and harm to his health. I then took over and agreed to help my son by making monthly payment from XX/XX/XXXX thru XX/XX/XXXX when I lost my job. 

I contacted XXXX XXXX XXXX and let them know that I will not be able to continue making payments and the woman became outraged and told me that I have to make a full payment of {$27000.00}. ( approx. ) within a week. I explained that I can not afford that then she said she will settle for {$16000.00} ( approx. ). Again I couldn't afford it so I offer a one time payment of {$10000.00} using my credit card and she took it and processed it right away. However, she did not informed me that upon payment this will settle the debt against my son and myself until I asked. I was disappointed and betrayed so I had her reversed the payment for failure to disclose her intentions. 
I then started to seek help regarding these loans to I asked for proof of them loans and PNC bank was able to provide me with only one promissory note for XXXX and I haven't anything on the other loan they are claiming. I never benefitted from any of these loans. 
I have no direct communications with PNC bank but XXXX XXXX XXXX representative made a false statement to them that I agreed to pay and settle for {$10000.00} to have my name removed. Now PNC bank attorney drawn up an agreement for me to make payment and settle which I did NOT agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: The Outsource Group, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/20, I applied for a mortgage and Medicredit was not reporting on my credit. 

On XX/XX/20 The lender repulled my credit and told me a new collection was on my report from Medicredit in the amount of {$170.00} On XX/XX/20 the original creditor ( XXXX XXXX XXXX XXXX XXXX  ) was paid. There is no existing balance on my account. 

On XX/XX/20 I contacted Medicredit to remove the collection since I worked with the original creditor to pay the debt. They said their company doesn't delete collections and only will marked as paid. 

On XX/XX/20, I am filing a complaint as Medicredit is in violation of FDPC, I was not notified in writing of this collection before it appeared on my credit report, I don't have an agreement or contract with Medicredit,  and the account they are attempting to collect has a XXXX balance

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 2021-08-06
Company: LoanCare, LLC
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:
I was in deferred until XXXX and the account was fully paid-off in XXXX, so as part of the closi

ng process all pending payments should have being cleared as part of it. I recently applied for a mortgage where for my surprise it was reported by Loancare a 150 days past due after the account was closed and money disbursed. The purpose of this dispute is to correct this error ASAP as I am trying to purchase another home this error is inferring with your ability to do so.

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 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This complaint is not filed by a third party. 

XXXX and TransUnion are fraudulent on my credit accounts DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX is fraudulent on my Acct # XXXX. XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. XXXX is fraudulent on Acct # XXXX. 

These are fraud, I didnt benefit, apply for, and authorize these accounts.

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 2020-06-30
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: Account information incorrect

Complaint:
I tried to open a back account for my sister ( she is XXXX, XXXX and XXXX XXXX  ) and on XX/XX/XXXX and on XXXX XXXX received a letter from XXXX XXXX  that Experian saying they could not verify her identity. The application had her social security and home address. She will NEVERnave a credit report and what does that have to do with opening a checking 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 2019-08-31
Company: General Motors Financial Company, Inc.
State: OH
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:
I have turn vehicle in from account showing and it should be closed I now have a new lease that is open with same company. I need old account to show closed paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
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: Account information incorrect

Complaint:
This company XXXX. They have been removed form my other accounts but they are still showing on my equifax. I disputed with equifax because the first date of deliquincy on the account was in XX/XX/2011 and it never went paid as agreed until the accoutnwas charged off. I disputed with equifax and the company changed the first day of deliquincy to XX/XX/2011 so that they can keep it on my credit report for longer. Then they put no reporting so they can continue to keep it on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: Greater Collection Agency Bureau, LLC
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call XX/XX/XXXX from a person from GCAB ( Greater Collection Agency Bureau ) They knew my full name, ss #, bank information, everything. Said I had a debt from an online payday loan company in XX/XX/2013. I've never done that. The person that took the loan out was a different name. He said he'd give me until Wednesday to figure it out or they will file a judgment and it will be on my credit. I'm not sure what to do. This is the number they left. ( 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 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Trans Union, XXXX and XXXX still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) " through the physical validation of the original signed consumer contract '' to provide me lawful proof of verification for several accounts that have been reported on my credit report. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to validate in order to protect my rights as a consumer. Since it has been well passed 30 days allotted them as of XX/XX/2018 I am insisting that he CFPB forces Trans Union, XXXX, and XXXX to legally validate said debts or delete them  IMMEDIATELY! Certified letters were mailed out on XX/XX/2018 and delivery of said letters were confirmed XX/XX/2018. 

Accounts : -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX/XXXX  -XXXX -XXXX -XXXX ( Been over 7 years ) -XXXX -XXXX -XXXX ( Collection Account-Trans Union only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-Trans Union only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-Trans union only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX XXXX ( Collection Account-Trans Union only updated account as closed and never supplied lawful validation which was requested )

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 2019-05-23
Company: Experian Information Solutions Inc.
State: TX
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: Didn't receive services that were advertised

Complaint:
This refers to the IDnotify service provided to me by Experian after the recent XXXX security breach. They advertise on their website that they will provide up to {$1.00} XXXX in identity theft coverage if necessary. I phoned them earlier today and was told that this coverage is not provided. I mentioned that is is clearly advertised on their website and not offering it is an act of internet fraud. I attempted to obtain help with this after XXXX XXXX XXXX filed a lawsuit against me as an act of debt collection, which is not only a violation of my rights as a consumer, but it was also filed using a mailing address which I attempted to remove from my credit files 2 years ago and longer. I tried in good faith to resolve my debt issues with XXXX XXXX XXXX several times and was told this address was part of an investigation by one of their service people. Using an illegal address to attempt to collect a debt is not only an illegal act of identity theft, but not being able to resolve it through one of the major credit reporting services leaves me with no option but to report it in this manner. XXXX XXXX XXXX closed both of my credit accounts after an attempt to repay the debt through a debt consolidation service failed to get them the money I had paid on time. I canceled the debt repayment plan and they closed my accounts as a result. I am still unable to repay the debt at this time and using a false identity to collect it is clearly wrong. After more than 30 attempts to get legal assistance with this over a period of five years, all of which failed, I have no other option to file this complaint.

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 2020-06-30
Company: U.S. BANCORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX US BANK CONSOLIDATED accessed my credit file with XXXX  without my permission. This is a fraudulent inquiry, which I did not authorize, since I never authorized anyone employed by US BANK, OR ANY OTHER COMPANY including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX  did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.

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 2018-08-22
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: Investigation took more than 30 days

Complaint:
1. In a letter dated XX/XX/2018, I requested XXXX XXXX XXXX XXXX ( " XXXX '' ), my mortgage servicer, to remove unfair reportings to my credit reports of : 180 days late to XXXX and Experian ; and 120 days late to XXXX. I have a certified mail proof of delivery receipt dated XX/XX/2018. Thus, XXXX 's 30 day deadline was XX/XX/2018. 

2. I obtained a copy of my XXXX, Experian, and XXXX credit reports on XX/XX/2018, well after XXXX 's deadline of XX/XX/2018. XXXX, XXXX was required by federal law to place a " notice of dispute '' on my accounts no later than XX/XX/2018. 

3. In a letter dated XX/XX/2018, I notified XXXX that it had not placed a notice of dispute on my XXXX, Experian, and XXXX credit reports within 30 days. Thus, federal laws requires XXXX to completely remove the items reported late from each of my credit reports. 

4. XXXX still has not complied with federal law. The late reportings are still on each one of my credit reports and I want them removed.

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 2018-09-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
Portfolio Recovery changed the status of an old account from closed to open as retaliation of my dispute i XX/XX/XXXX. also the information they provided as proof of debt is not sufficient, I requested copies of any charges I made with said car, and all they have is an old letter from XX/XX/XXXX from the original creditor telling me that I am 6 and 7, months behind on the account and that it is charged off. this does not verify it is my account and the same letters are showing the account as being charge off, yet no evidence that I used this card or have knowledge of it as I currently have  accounts with XXXX XXXXXXXX. So it is reporting by portfolio as open yet on my credit file in XX/XX/XXXX and XX/XX/XXXX they reported it as closed, so now they are trying to retaliated against me as they he promised to cease all collection activities on this account thus as it is uncollectible it should be reported as closed as it was before I disputed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I rarely use my Chase account because of the way they do business. On XX/XX/2018 I refeceived a notification on my phone that my account would go negative from a pending tranaction that hadnt happened yet. I had been told in the past that money needed to be deposited by XXXX EST to avoid insufficient fund fees. Rather than going to the bank I used XXXX since it is promoted as instant money. I sent it from one of my other bank accounts to Chase and within minutes it said it was in my Chase account and that I had a XXXX balance instesd of potentially negaitve. I woke up this morning on XX/XX/XXXX so another alert from Chase that my account was negative. It was an insufficient funds fee! I called Chase and the first customer service person repeated the same thingd over and over saying that the deposit had to be in before XXXX EST to get in. I explained that there is no disclaimer alerting customers to this with XXXX or Chase and that my Chase app said I had a XXXX balance! I then asked to speak to XXXX who apparently is a manager and did nothing to help me. She just repeated their policy over and over again and actually went through a checklist saying things like I have explained our process ... and I have set expectations .... I am happily closing my account today but this fraud needs to STOP and I want my insufficient funds back to me from Chase for all the times this year that they came up with and excuse. One time I put cash in before XXXX then ak was told it had to be by XXXX = fee, etc etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I recently tried to purchase concert tickets using the XXXX service. The service is backed by all of the major financial institutions making it seem more legitimate and trust worthy than other payment services like XXXX and XXXX. However, this service seems to worse and less secure than those. The person sent a request for me to transfer the money and I did so. It took multiple days to process the transaction and there was no clear way for me to monitor it and cancel it if need be. Two weeks have gone by and the person I was trying to purchase tickets from still hasn't given them to me. I tried calling Wells Fargo to see if they can reverse the transaction. The first person I spoke to said they could do a " money move '' and get me the money back. After that, I got transferred multiple times before someone put me on hold for about 20 minutes just to tell me that there's nothing they can do. They are aware of the transaction and even know that the money was deposited in an account with XXXXXXXX XXXX. However, they refuse to even contact XXXX about it. I called XXXX myself to see if there was something they could do, but they claimed that they couldn't do anything even though I knew the email associated with the account. They recommended that I speak to Wells Fargo. Wells Fargo basically told me that I have to get the money back on my own.

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 2018-06-19
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicing was changed to Specialized Loan Servicing. Since they have taken over I have had nothing but trouble. To start they claimed that the company they bought my loan from hadn't made my payment, so they were starting foreclosure proceedings. 
After we got that cleared up, I set up auto pay. They told me it was set up correctly, however, they didn't take the payments out and once again began foreclosure proceedings. 
Finally, they have now added an additional escrow amount that is higher than my mortgage payment, but they can't tell me where that payment went to. I checked with the tax office and my insurance company, they both said there was no {$1200.00} increase. When I confronted their representative, she first said it was going to taxes, then insurance, then it was a check coming back to me, then she said she wasn't sure where that money went. I asked to speak to her supervisor and she denied me that option. She stated she had no supervisor, that there was no one higher up the ladder than her. When I asked if she was the ceo of the company she said she did not have that information. and refused to help me further. Her Name was XXXX and her ID number was XXXX. When I told her I wasn't comfortable paying an additional {$1200.00} for something they couldn't explain she stated they would start foreclosure proceedings if i didn't pay it. I could dispute it, but I would have to write a qualified letter to do so. She wouldn't clarify what a qualified letter is.

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