BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed information on my credit report with TransUnion twice under file number : XXXX, regarding an Adverse Account item reported to my credit report : XXXX - XXXX XXXX XXXX XXXX # XXXX This item shows me as owing {$540.00}, delinquency of 30 days plus, and that the Account type is open. 

I have provided documentation to TransUnion, which shows a check was deposited for {$540.00} by XXXX XXXX XXXX XXXX to their account number : XXXX. The check was paid by my credit union via my checking account. Check number : XXXX, dated X/XX/2017. 

Additionally, I disputed the fact that I was late in paying this debt. I provided documentation to TransUnion that showed a Security Deposit Statement was sent to an incorrect forwarding address. That letter was never received by me via regular mail. 

Instead, I only received this letter via email on X/XX/2017, from the apartment manager, After weeks of trying to get information regarding the status of my deposit from XXXX XXXX, which is XXXX XXXX XXXX XXXX, owned by XXXX XXXX XXXX XXXX XXXX. 

I provided TransUnion documentation of emails which proved the date I received the Security Deposit Statement via email on X/XX/2017 from XXXX, the Apartment Manager of XXXX XXXX. 


Below you will see copies of these documents.

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 2023-08-30
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:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a XXXX XXXX loan service through LoanCare corp. and i have been unable to get them to extend the loan for an additional 90-days as allowed by the CARES ACT. The current forbearance agreement ends on XX/XX/2021. I first reached out to them on XX/XX/XXXX, less than a month before the end of forbearance and i was told that i need to call back the following week. I reached out again on XX/XX/2021 and I was told that it wasn't possible to extend the loan in their system until the following week. So i reached out to them again today XX/XX/XXXX and I was told the same thing to call back again the following week. This sounds like an intentional SCAM by this servicer to rob me of my home via a convoluted, meaningless process to waste time and then place my mortgage in a foreclosure process. THIS SERVICER IS FRAUDULENT. I HAVE NO CONFIDENCE IN THEIR PROCESS ANYMORE. 

I do not have to contact them six times within 30-days of my current forbearance agreement for them to take the requested action of extending the forbearance for the final 90days. Please help against this fraudulent loan servicing company. They are trying to steal my house via a convoluted mechanism to access lawful resources.

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 2023-05-03
Company: Experian Information Solutions 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:
Please delete these fraudulent accounts from my credit report as they do not belong to me and I have no knowledge of them. As per the provisions of USC 1681g, I request that you remove them from my report within 15 days. I have attached the necessary documents for your reference.

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 2021-06-07
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX I mailed disputes letters to XXXX  and Equifax along with a letter from the US Bankruptcy Court saying that US Bankruptcy Court does not perform any activities with the credit bureaus. It has passed 45 days and I have not gotten no response from either company. The inaccurate information is still being reported on my credit report. Customer service representatives from both company informed me that they get their data for public data from a third party vendor XXXX XXXX, which is not the US Bankruptcy Court!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: EQUIFAX, INC.
State: TN
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 submitted the attached dispute letter to Equifax via certified mail tracking # XXXX which according to the USPS tracking website was received on XX/XX/2018. The original letter was notarized and included a copy of my TN drivers licence and social security card to verify my identity. To date I have received no notification that my dispute was acted upon and have seen zero activity on my Equifax report in regards to active investigations of my disputed items. I find this an issue being several of these same disputed items were actually investigated and corrected and/or removed from my XXXX and XXXX reports. This is important to me because this impacts my credit score and I find it disturbing that Equifax of all credit reporting agencies would completely ignore my dispute when they are responsible for a massive breach in which millions of consumers are at risk. This is absolutely unacceptable. By law Equifax must consider my request to investigate and if they can not verify that the negative item is true, accurate, and complete, then they must delete it. Equifax was supposed to have responded to my request to investigate within 30 days of receipt. This did not happen and thus I am filing complaint. The FCRA requires that if Equifax can not correct or doesn't verify within the statutory period, they must delete the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: JPMORGAN CHASE & CO.
State: NY
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:
I purchased a furniture from XXXX XXXX on XX/XX/2020 by my Chase bank credit card.The price was {$770.00}. The furniture supposed to deliver my home on XXXXBut due to Corona pandemic , all the shop in XXXX XXXX XXXX was shutt down from XXXXSo the furniture was not delivered.I was sick from XX/XX/2020 till XX/XX/2020 due to XXXX XXXX.After getting well I tried to contact with the merchant over telephone regarding the order but as shop was closed, I couldn't make contact with them.Luckily I had phone number of one sales person, to whom I called multiple times about availability of my furniture. But he was not able to give any information. So ultimately on XX/XX/2020 I dispute the charge. At first the Chase bank acknowledge the dispute and give back the charge amount, but after their initial investigation, they found the transaction was valid and they do not have any documents that show the furniture was not delivered.Then Chase bank reinstate the charge.At that time the shop is open, I talked to the owner, he said that the bank took the money back from his account and never given back.Now second time I redispute the charge by sending all the documents and details information what happened.Still on XX/XX/XXXX the bank send the notice that the transaction is valid and there is no billing error.I don't understand if the bank really contact with the merchant, he can said the furniture was not delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Recived a notice that our monthly payment will be going up with not explanation. When we called they informed me that my Home insurance and Taxes went up dated back to XXXX, 5 months later is when that increase my payment and asking for me to pay the overage sinceXX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NCA ( debt buyer ) /speedy cash XXXX debtor ) keep placing on credit that I owe them over {$2000.00} dollars on a {$800.00} dollar loan. I have no paperwork of owing that amount but I have several emails on the original amount owed, payment and an email that they owe me a reimbursement. The also call and act like a government agency when contacting me. The 3 credit bureaus refuse to remove from credit reports. They keep buying this old debt and placing it as new on my credit reports. This was opened in XXXX on credit NCA is reporting like I have a new loan in XXXX with there company. On XX/XX/XXXX they marked it as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was late on a payment on my student loan for XXXX XXXX. I just recently graduated  and I am still looking for a stable job. I owed a payment XX/XX/2018. I was unaware of such payment requirement and I did not pay it on time. I got an email about its past due status. I deferred my loan payments while in school twice. However, I did make the payment for XX/XX/2018. I am now aware of these payments but I was not before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2022-03-25
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/XXXX, we sent out a certified letter to COMMONWEALTH FINANCE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CERTIFIED MAIL RECEIPT number XXXX Sent a letter of validation to their office. 

They received it XX/XX/XXXX at XXXX and have waited for their response. 

Today is XX/XX/XXXX and haven't heard from them at all. Under the Fair Debt Collection Act, they have to show proof of obligation and I am aware they have XXXX days to do so. 

They also have not removed the alleged collection from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
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 fraud alerts or security freezes

Complaint:
Today, one year after it was revealed that Experian was giving access to individual credit freeze PINs to *ANYONE* who could provide a social security number as well as answer security questions with information that is EASILY obtained through public records. The original security blog is provided here for reference ( XXXX XXXX XXXX ) demonstrating as such, I found out today that all 3 credit bureaus are STILL making this PIN available to anyone who can provide the proper information to obtain it. 

I will remind you, that this PIN is NOT supposed to be known by the credit bureaus at all. Them being able to find it defeats the entire purpose of a credit freeze. Only the owner of the data ( me ) is supposed to be able to unlock it. In essence, my, and millions of other Americans ' credit files ARE NOT LOCKED if anyone can obtain the unlock PIN using simple information and a SSN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Experian Information Solutions Inc.
State: TN
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:
In the dispute results of report XXXX-XXXX-XXXX for XX/XX/18, you stated in writing that you stated in writing that the following collection item was verified : XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, MS. XXXX ( XXXX ) XXXX-XXXX for the amount of {$1000.00}. The license of the aforementioned collection agency is expired ( see attachments ). Debt collectors are required by the State of Tennessee Board of Commerce and Insurance to have a valid license on file with the state. Tennessee Collection Service Act 62-20-105 ( a ) reads " No person shall commence, conduct, or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior state law. '' According to your website ( https : //www.experian.comXXXX  ) during the initial dispute process Experian should have contacted XXXX XXXX  XXXX about the information disputed, instructed XXXX XXXX XXXX to review my dispute, to verify all information reported, provide Experian a response to my dispute, and update their records and systems accordingly. But without a valid license this means that XXXX XXXX XXXX is operating as a collections agency in the State of Tennessee illegally and therefore any information provided to Experian by XXXX XXXX XXXX is INVALID. Under the FCRA it is illegal for credit reporting agencies to report false/invalid information and therefore it must be REMOVED from my credit report. If you continue to report this on my credit report, I will find it necessary to pursue legal remedies up to including litigation seeking damages. I also fully intend to report XXXX XXXX XXXX to the Tennessee Board of Commerce and Insurance as well as the FTC for its illegal practices.

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 2018-12-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a loan with PennyMac Loan Services LLC. I have received a {$1000.00} tax reduction from XXXX County Tax Office. Twice I reached out to PennyMac about my tax deduction and provided them with a copy of my tax paper showing my deduction from the year of XXXX and it clearly stated my total estimated tax of the year is {$85.00}, that is what my taxes are at this moment and will further be due to my XXXX tax credit. The county and the city gave me my credit deduction, but PennyMac only gave me {$71.00}, when my total tax reduction should be {$1000.00} so they owe me {$1000.00} towards my tax reduction. PennyMac Escrow account department told me that my FHA Loan which they call Hazard Insurance and my personal insurance and property taxes on the home is all calculated in one bill, that's how they break it down and that's is the reason why they say they can't give me a large deductible back from my taxes. I called more than twice and I continue to receive the same answer from PennyMac.  In XXXX of XXXX, I received a check from PennyMac {$1100.00}, the check was to reimburse me from overpaying PennyMac Escrow department for my taxes and the years of XXXX and XXXX, which I had to notify them about my overly high tax amount. I sent in a copy of proof of overcharge taxes. My Escrow bill was higher then what my payment and insurance came out to be, due to the overcharging of my taxes in their records. Pennymac sent me 2 statements explaining my escrow, miscellaneous assessment, my hazard insurance payments , county taxes, and city taxes. All that information does not have anything to do with my {$1000.00} tax reduction and it doesn't explain or show why I only received a {$71.00} tax credit from them. My total monthly payments were {$720.00} they only reduce my payment to {$640.00}. When my payments should be a lot lower than {$640.00} due to my {$1000.00} tax reduction. SN : I paid all my property taxes out of my own money to the Tax Commissioner of XXXX County, Ga.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
So yesterday, I was in contact with someone who pretended to be the famous rapper XXXX, which they were not. They were posting on the accounts XXXX story that he, XXXX, was doing features and to message him being PayPal ready. Of course me, a musician at heart and a huge fan of this artist, took up the chance and messaged him confirming that it was the self proclaimed rapper, which he then claimed to confirm was him. He asked me to send him {$1000.00} dollars via PayPal, which I ended up doing. Throughout that, as he said he was going to the studio to record later that night, he told me that he was not able to do the track anymore because he had certain spots open and they were now offering {$2000.00}. He said that he would refund me, and when an hour passed with no refund, he never answered me back and ended up deleting me off of XXXX. I am still {$1000.00} dollars out, and I have screenshots of the conversation, his PayPal account, his XXXX name and everything. He also forced me to make it sent to a friend/family instead of doing to for business so that was he could get the money now and use it for the studio. The name of the XXXX account is @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In my home equity line of credit # XXXX there was a balance advance of {$5000.00} done on XXXX which I did not do. I called on XXXX! And nothing was done, I called on XXXX and told to go to a branch to fill out a fraud affidavit, which I did. Per affidavit it would take 3-4 days. I called on XXXX and nothing has been done. They were going to send an email to the loan department that can take several weeks. I requested for the line to be frozen, I have not be given any information on the new number, did the reversed the transaction while they investigated. I feel very upset, I have not been treated fairly in this process. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Mandarich Law Group, LLP
State: NY
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 received a letter From Mandarich Law Group , LLP for Creditor : XXXX , XXXX When I responded to Mandarich Law Group , LLP with a Certified Mail Letter and they refused to pick it up on two attempts from the Post Office

Company response to consumer: Closed with explanation