BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2018-08-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I, XXXX XXXX, have a loan with PENNYMAC LOAN SERVICES, LLC which appears that XXXX XXXX owns this loan. The address of the property is XXXX XXXX XXXX XXXX XXXX, NV XXXX. I have been paying {$49.00} for Private Mortgage Insurance every month since I bought the property in XX/XX/2014. My estimated loan balance is {$100000.00} and the estimated value of the property according to XXXX is {$210000.00} and according to PennyMac Loan Services, LLC Home Value Estimator website is {$210000.00}. I know that under the Homeowners Protection Act, a lender must cancel the PMI when the loan-to-value ratio on the mortgage reaches 80 % or when we have at least 20 % equity in the house which I belive I do. I have called PennyMac several times and they refuse to remove the PMI and they claim they dont have an Auto Termination Date for the PMI on my account. I have asked for the Auto Termination Date but PennyMac does not have one in my loan file. I need to know if you can help me with this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: VA
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 account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: SC
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: Asset Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received multiple calls from this place today. They also called my place of work and GAVE OUT MY SOCIAL SECURITY NUMBER over the phone to my boss. We have the same first name, so there was confusion. The person who called didn't give the last name of the person they were contacting, so my boss thought the call was for her. The person then tried to get my boss to confirm my social security number. How is this legal??? All they asked was "Is this XXXX" and my boss IS a XXXX, so she said yes. They didn't say a last name, or what they were calling about, before blurting out my entire ssn. I called the number back when I got home and the woman (her name is Mrs. XXXX) was extremely rude and aggressive with me, and made excuses for why they gave out my social to a random person. I have no idea what the debt is even about, student loans or credit card (both of which I'm already paying on).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: JPMORGAN CHASE & CO.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
I entered a cab late night on XX/XX/2018. I attempted to pay driver with a debit card and the driver switched out my debit card for another and I did not notice that until the next morning when XXXX sent me the fraud/overdraft alerts. There was no record of the cab fare but an ATM withdrawal of {$500.00} and {$2800.00} worth of XXXX purchases were made that morning ( details attached ) and summary below of actions taken by thief. 

Thief made 9 transactions at 3 different XXXX XXXX totaling {$2800.00} on XX/XX/2018 Thief took {$500.00} out of an ATM on XX/XX/2018 Thief attempted to change my primary phone number with Chase on the night of XX/XX/2018 Thief attempted to raise my debit limit the night of XX/XX/2018 I reported the fraud within minutes of receiving an SMS message from Chase in the same morning as the fraud was committed. I talked with a Chase fraud agent at XXXX XXXX  the morning of XX/XX/2018. I filed two rounds of claims with Chase about the fraud and that I did not authorize any of these transactions. Both transactions were denied because Chase did not believe this was fraud even though they identified it and sent me SMS messages early morning on XX/XX/2018. Chase also denied my ask to get additional data around the complaint for the police report and would not provide any ATM pictures or card location data. 

Chase is one of the leading financial institutions, they have a tough job protecting digital banking from many different threats, and that is what consumers like myself are depending on. Based on the fraud actions/patterns taken on XX/XX/2018 by the thief, I find it hard for them to have not shut down the account earlier and attempted to help find the perpetrator by providing any data necessary to help track down the thief.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-08-02
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
A long time ago, I had an account with Wells Fargo and it was closed due to a negative balance. I would like to know what happened to the secured credit card funds that linked to the account, and how much do I owe Wells Fargo so I can resolve this and open an Opportunity Account with you. I went to the branch and no one was able to give me a clear answer and the risk department won't talk to me [ I don't know why : D ]

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 2019-11-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never had this accounts, never applied for it. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2021-03-16
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already disputed this account multiple times, no validation of debt and no response from credit bureaus and or collection agency!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Citizens bank one for buisness abs one personal police report was given and the person of interest has a warrant waiting to be caught .. the bank have the perpetrators info about my account with out passing security answer correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from 5/3 Mortgage/Bank stating that my escrow payment had a shortage of about {$390.00}. I thought this sounded a bit high, so I did some investigating. 
My taxes went up {$160.00} and my insurance went up {$85.00} giving us a total of {$250.00}. 
After about two hours on the phone getting transferred from on person to another ( none of which could answer my simple question as to why my escrow went up by more that my taxes and insurance ), I asked to see the math used to calculate this amount. 
Since has been a federal law for well over 200 years, I did not think that his would be a problem. 
For no apparent reason, they needed me to submit a request to them in writing??? 
I sent them my request by mail as instructed. 
I received a letter fron 5/3 bankdated XXXX XXXX, 2019 stating that an issue number had been assigned ( # XXXX ) and that I would get my requested information in 15-25 days. The letter was from XXXX XXXX, Office of the President. 
Nothing was ever sent to me by that time frame. I left messages on XXXX 's direct line on XXXX-19, XXXX-19 and XXXX-19 and the calls were never returned nor any letter ever sent. 
I filed a complaint with the XXXX  XXXX  XXXX  on XXXX XXXX, 2019 regarding this issue, and they have 5/3 Bank under investigation at this time. 
On XXXX-19 I spoke with XXXX at Consumer Finance.Gov and filled out a complaint form and mailed it in. Apparently it was lost somehow, which is why I am sending this letter again today. 
I received another letter dated XXXX XXXX, 2019 on on XXXX-19 ( doesn't that seem strange?? ) Obviously the letter was dated falsely to cover themselves. 
This letter was from XXXX XXXX, Office of the President again stating that I would get a response within 15-25 days. I called and left a message on here direct line requesting a response postmarked that day since it had already been 60 days at that time. 
Still no response. 
It is quite apparent that 5/3 thinks they can circumvent Federal Law, which makes this a Felony offense. Also back dating a letter which was mailed 8-10 days later than claimed ( another Felony? ), not sure on that one. 
Please investigate this as soon as possible. 
My loan account number ends in XXXX Best Regards. 
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX # ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XX/XX/2018 pulled my credit report because score was low realized that 20-monthly car payments not reflected on credit file from original lender ( XXXX XXXX XXXX ) not one payment was ever reported. In XX/XX/2018 loan was transferred from XXXX XXXX XXXX to XXXX XXXX XXXX. In XX/XX/2018 reached out to the current lender explaining 20- monthly payments wasn't recorded to the 3-major credit bureaus ( TransUnion , XXXX, XXXX  ). XXXX sent a written response stating there is nothing they could do about the current situation. My loan with XXXX XXXX is reporting with the credit agencies, but it reflects a new loan as appose to an existing loan.

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 2022-07-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On @ XX/XX/2022 I received a letter from moneygram stating they had a refund and that I had to contact them or the money would be sent to the state of ky. I have spoken to them 5 or 6 times over the next @ 4 weeks, each time they give me a different story. The letter is attached. The original reference number was closed by them and a new number issued XXXX. 
Please help get me the money ( {$3900.00} ) they say they owe me. 
Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-30
Company: SLM CORPORATION
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 status incorrect

Complaint:
I attempted to reach out to this private owned student loan company to fix my issue regarding my payment history. I advised that it was impacting my credit score tremendously and my account is currently current and it is in deferment status because I am currently in school. The company refused to update my account to remove the delinquent payment status history. I advised them during those times I was working minimum hours or sometimes no hours at all. Once a time I was out of work and they work not willing to work with me only to receive some type of payment and pushing my account back further. The company doesnt try to assist with their customers or consider their situation and whats going on. We were even involved in a pandemic and I was one of the people who lost their job and they kept calling about a payment after I advised I was out of a job and trying to figure out my next plans. At this point I felt like I was being harassed, being constantly emailed, phone calls, voicemails, and even letters in the mail. The company does not care about their clients. I tried to advise them i was attempting to buy a house for me and my XXXX kids. Im a single mom and they delinquent status from them is heavily impacting my credit score. The dates are listed as followed : XXXX, XXXX, XXXX and XXXX of XXXX and XXXX, XXXX, and XXXX of XXXX. I have contacted the company multiple times. I even have emailed the CEO of the company. Nothing has taken place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-07
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax failed to remove a Federal Tax Lien that should have been removed effective XX/XX/XXXX, in order to comply with new reporting regulations under the XXXX. Specifically - New requirements include : Require all public records obtained from the original source locations to contain minimum identifying information ( PII ), Name, address, SSN and/or date of birth The original source document does not comply with this new reporting regulation as it does not include Date of Birth, and it does not include full  social security number. 

Remedy is removal of this released Tax Lien from my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: PA
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 XXXX Accounts # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, 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:
There are 4 accounts on my credit report that do not belong to me they are not mine I have not approved or signed for these. I have tried to reach out to the bureaus but they will not help me out. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2019-12-05
Company: ResidentCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Although I do not owe this company and the debt is a result of identity theft, this company is reporting a debt that I do not owe. 

I've spoken to innovative on several occasions they insist on sending me to other companies. 

INNOVATIVE RECOVERY INC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: OneMain Finance Corporation
State: GA
Product: Credit reporting 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 have spoken with Branch XXXX XXXX XXXX of ONEMAIN FINANCIAL on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONEMAIN FINANCIAL. -ONEMAIN FINANCIAL 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Companies is unsure of it's own process of consumer rights as debtors. They Do Not follow Uniform Commercial Coding or Rules. This company has committed Corruption, Asset Misappropriation, Financial Statement fraud, Corporate Fraud, embezzlement, Forgery, wrongful abstraction, wrongful Conversion, Tax fraud. 

15 U.S. Code 1605 - Determination of finance charge 12 U.S. Code 1431 - Powers and duties of banks 12 U.S. Code 1432 - Incorporation of banks ; corporate powers ; housing project loans 15 U.S. Code 1 - Trusts, etc., 42 U.S. Code 408 - Penalties 15 U.S.C. 1691 ( a ) 15 U.S.C. 1691a ( e ) 15 U.S.C. 1691 ( e ) 12 C.F.R. 202.2 ( l ) 15 USC 1605 ( a ) 15USC 1605 ( b ) 15 USC 1681a ( k ) ( 1 ) XXXX XXXX Beneficiary

Company response to consumer: Closed with explanation