BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: NC
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 is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$240.00} ( Original Creditor : XXXX ) XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$750.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Village Capital & Investment LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX the XXXX my wife XXXX XXXX XXXX and myself XXXX XXXX XXXX Sold our house and was instructed to go to XXXX XXXX XXXX to meet with XXXX XXXX to sign the Escrow Documents for the sale of our Home. I will attach all of the documentation I have thus far. Ref ( 1 ) Email from XXXX XXXX President XXXX XXXX  XXXX XXXX XXXX, Ref ( 2 ) Origional Signed Document Dated XX/XX/2020 By XXXX XXXX XXXX Escrow Officer for XXXX XXXX XXXX and Ref ( 3 ) Unsigned corrected document from XXXX XXXX XXXX. We were told that all was good to go until my wife and I was called by XXXX XXXX XXXX XXXX Telling us that we are to pay them {$34000.00} back because they overpaid us. To my knowledge we satisfied our obligation when we sold the house. I contacted Village Capital & Investment about the discrepency and was advised that XXXX  XXXX XXXX has not sent the Payment from Escrow in the amount of {$280000.00} See signed attachement ( 2 ), XXXX XXXX XXXX will not send over the owed money on the account as per there need us to pay the additional $ XXXX because of there gross error. We used all of the equity paid to us to clear most of out depts. Please call or advise as to what recourse we have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: AZ
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Harris and Harris XXXX at XXXX on XX/XX/XXXX. I was inquiring about debt validation and the operator started screaming at me that I know I owe this money and I replied that I am just asking questions to verify the debt. I asked to speak to her supervisors and was placed on hold for 30 minutes. I could no longer wait on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2019 I applied for a Citi XXXX Card online. At the end of the process I selected " Agree '' and " Submit '' thinking I would be able to review it before it was finalized. Instead, it was immediately approved for {$5500.00}. I DO NOT WANT THIS CARD. I have tried repeatedly to contact Citi, 12 phone calls in all. I get transferred and transferred and transferred and they end up giving me the phone number I called in the first place. Today, after my last attempt to cancel the application and/or card, after getting transferred 3 times, they asked for my phone number. I've had the same land line number for the past 4 yrs and they said it wasn't a valid number. I do not have a cell phone, only this landline, XXXX. So once again I was transferred to someone overseas who told me he would have to call me back to verify my information. I said fine. He said I'll call you right back. That was over an hour ago. 

I am tired of wasting my time trying to get a response from these people. I DO NOT WANT A CITI CREDIT CARD. I want the application to be voided or withdrawn or whatever process they have to CANCEL IT.

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 2023-02-21
Company: Experian Information Solutions Inc.
State: MI
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:
The Credit Reporting Agencies are failing to do what is required of them. Please see attachments.

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 2016-01-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
To the CFPB this is concerning a complaint file previosly against XXXX, but at this point this financial institution have involved and other financial institution, the name of the financial institution is : Deutsche Bank Trust Company locate at XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, CA XXXX. This financial institution do not have legall right or legall standing do to the fact they did n't recall any endorsment or assignment and now they come to be part of strime fraud committed by all previous banking institution involved. In violation of Respa, Tila, Fair Collection Practice Act.I would like for CFPB to do a complete criminal investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX XXXX ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$800.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance : {$2300.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8700.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This CREDITACPT is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2019-11-11
Company: Experian Information Solutions Inc.
State: PA
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 submitted letter from FTC, police report & copy of drivers license 7 times then faxed it to Experian -the acknowledged receipt bia phone call! The connected me to a global location to no avail as they told me no record of receiving although i sent it 8 times & lady wouldnt have connected me if she did not see the fax! 
They received info but it has been months and i can not get through & someone put fraud alert ON & they last time Fraud Alert was XXXX on, someone OPENED 3 accounts? I wantd it n off!? 
Please, XXXX  has fixed or is fixing and its been since XXXX and is now XX/XX/2019 & fraudulent accounts are still on my credit 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 non-monetary relief
Consumer complaint received 2021-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Please be advised that this is a notice in writing concerning a billing dispute on a Saks Fifth Avenue store credit card. The purchase amount is {$980.00} dated XX/XX/XXXX. The item was purchased at Saks Fifth Avenue online with order number XXXX. The overseas customer service has been giving me conflicting information as to how long it takes to process a return. Thus, the retailer has not been helpful whatsoever. I also reported this billing dispute to XXXX XXXX customer service on XX/XX/XXXX, speaking with XXXX and given a dispute reference number of XXXX. 

I am providing proof of the returned merchandise via XXXX tracking number XXXX, delivered XX/XX/XXXX at XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12
Company: WELLS FARGO & COMPANY
State: TX
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:
Wells Fargo has incorrectly reported our mortgage loan balance as increasing to XXXX  and XXXX  for two months in a row. 

On XX/XX/XXXX Wells Fargo incorrectly reported a balance increase of {$540.00} from {$75000.00} to {$76000.00}. 

On XX/XX/XXXX Wells Fargo incorrectly reported a balance increase of {$1600.00} from {$76000.00} to {$77000.00}. 

The loan balance as of XX/XX/XXXX on the Wells Fargo page for our account is {$74000.00}. 

This has had a negative impact on our credit report for two months running lowering our score.

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 2018-10-04
Company: Westlake Services, LLC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with WESTLAKE FINANCIAL SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WESTLAKE FINANCIAL SVC with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Penny Mac home loans has mismanaged my escrow account. I spoke with them over a week ago about my insurance being paid. I paid it myself since I had changed companies. They told me I would be reimbursed for the amount that they had escrowed insurance and would no longer charge me the monthly escrow for insurance. They did not do that and do not have the funds that they collected anymore. PennyMac claims that they have sent this to my insurance company, however XXXX  XXXX confirmed that they have not. I called PennyMac to be refunded for the money that I gave them and they will not refund it, and also will not stop collecting money from me for escrow even though it is unnecessary. I spoke with a woman named XXXX who told me her extension is XXXX however when I tried to call back to speak with her again about insurance saying they had not received the money from PennyMac, I was told that that is not enough information to find someone. I spoke with five different people at PennyMac none of them seem to know where my escrow money is and I'll have told me that they will not be refunding me anything. I also spoke to them about my escrow for taxes since they have the wrong amount for that. again, they have said they will not refund me for the extra money that they have collected from me. I would like to stop escrow with PennyMac so that I can pay the correct amount of my bills on my own, however PennyMac refuses to stop charging me for escrow and can not seem to tell me where my escrow money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSWORLD SYSTEMS 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: Old information reappears or never goes away

Complaint:
The credit reporting time limit has expired and Transworld Sytems Inc., has illegally re-aged the account. My disputed credit report reflects that the account was opened on XX/XX/XXXX. 

The actual date of first delinquency is approximately XX/XX/XXXX. The last date of activity on the account is approximately XX/XX/XXXX. 

XXXXXXXX XXXX XXXX is the original debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: IN
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:
You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: ACIMA CREDIT, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company has a 90 day buyout that I start lease around XXXX of 2020 and the 90 days expired in the middle of covid 19 The purchase was XXXX and i paid a total of XXXX plus XXXX tax total of XXXX on XX/XX/2020 Because it wasnt paid off in the amount of XXXX within 90 days they are charging me double to have it paid off in one year But Georgia 's ocga XXXX states no loan shall charge any rate of Interest greater than 5 percent directly or indirectly Breaking down XXXX over one year is XXXX but they are saying I have to pay XXXX daily in there lease amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for loss mitigation on or around XX/XX/2018. I had to have XXXX XXXX in XX/XX/2018. Loancare continued to tell me I had missing loss mitigation documents which wasn't true. I sent in via email the documents over and over again. Finally at the end of XXXX i received a payment plan to pay off past due and current. I contacted Loancare via phone and email numerous times to explain that my doctor wanted my XXXX to extend to XX/XX/2018 and if my payment could be modified. I never received a call back nor did I receive an email. Comes XXXX finally someone at loancare via phone says they would send me a request for an extension form. Still nothing! On XX/XX/2018 I receive a letter via mail stating my home is in pre foreclosure. Today XX/XX/2018 I sent in another loss mitigation this time along with a letter explaining all the above. I sent a certified letter as I was advised to do by a lawyer. The main thing is ... The lack of communication with customer service not responding correctly can now cost me to loose my house? So not fair!

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 2023-08-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report, which I acquired from your organization on EXPERIAN Report XX/XX/XXXX  and I noticed that this Inquiries had been made

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 2020-09-16
Company: EQUIFAX, INC.
State: NC
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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 RE : Complaint To Whom It May Concern, Not too long after having enacted a complaint against a credit bureau on XX/XX/2020 with your organization due to inaccurate reporting, now all three credit bureaus : XXXX, XXXX XXXX, and Equifax have since in retaliation alleviated all payment history entirely from all of my 13 accounts. All three credit bureaus are now purposely reporting inaccurate payments, as well as, all three bureaus are consistently, falsely purporting that my all of my accounts have incurred high balances on a monthly basis or were otherwise overdrawn. 

The above actions have detrimentally negatively impacted my credit score, inhibited my ability to obtain credit, due to the fact that while all three credit bureaus state that I have exceptional payment history, no actual payments are being displayed by any of them, or if in fact a payment is being reflected, it is that of a payment amount being displayed as that of {$0.00} ( View enclosed ). 

In closing, I have tirelessly and arduously filed numerous disputes with supporting documents indicating that each credit bureaus reporting is inaccurate to no avail ; thereby, I again seek your assistance in aiding me to resolve expeditiously under the guidance of the FCRA ( Fair Credit Reporting Act ). 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MyLoanCare held our mortgage loan since we purchased our home over five years ago. We noticed this weekend our mortgage for the past two months had not been deducting. We contacted MyLoanCare only to be told that XX/XX/2019 ( 2 days before our mortgage was set to auto pay ) they transferred our loan to a company called XXXX without notifying us of any changes. This put us two months PAST DUE.  How is it possible that these companies can make these changes with no phone call, no email, nothing? Seems remarkably fishy.

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 2021-11-03
Company: Experian Information Solutions Inc.
State: PA
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:
Instead of updating report to the correct amount and no late payments, they changed the amount of loan to XXXX XXXX dollars. Having me to re submit an additional dispute in regards to my XXXX XXXX bank account number : 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