BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
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: Information belongs to someone else

Complaint:
I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: PENNYMAC LOAN SERVICES, LLC.
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I paid off a {$230000.00} mortgage loan to Pennymac. Since XX/XX/XXXX, my mortgage had been in forbearance. The forbearance plan was to expire in XX/XX/XXXX. The loan was paid off before my forbearance expiration date and they have updated my credit in XXXX from 60 days late, starting in the beginning of the month, to now, with all 3 credit bureaus as 180 days late. All in XXXX single month. If I was 180 days late at any time, why is it in the remarks/ account status, but not reflected thru 6 months of late reporting to credit bureaus. The 180 days is only reported for XX/XX/XXXX. So what happened to the prior 5 months? I didnt know you could get marked 180 days late, for 1 month? It makes no sense! This is my second consumer complaint on Pennymac, since Ive been in forbearance. They are going to investigate this, and then proceed to lie, as they did previously. The have murdered my credit score, while in forbearance, but its like a scam. They report every month that you are late while in forbearance. The reporting, deducts from you credit score, but in the next month, these previous monthly marking disappear and appear to move to the next up coming month ( biggest scam ever )! So Pennymac is telling me, that maybe the late reporting may fall off my credit report in 2 months. What a joke!! So you mess up my credit score, mark me 6 months late in forbearance, all in one month, and you tell me, Lets hope it falls off in a couple months! I want my credit fixed now, right now. I will never return to this Mortgage Company EVER! Fix my credit please!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This debt collector is not licensed in my state ( Florida ) therefore they can not collect debt from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: NV
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 recently applied for a car loan and when I checked my credit report I realized I had a couple of fraudulent hard inquiries. Im have a membership with Experian so right away I was able to locked my credit report. I tried to dispute this fraudulent hard inquiries online but it wont let me. Please remove these fraudulent hard inquiries from my credit report. Thank you very much for your help! 

XXXX XX/XX/2021 XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXX/XX/2021

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 2017-11-27
Company: M&T BANK CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account at M & T Bank in XXXX of 2017 at their branch on XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I used a promotion code ( XXXX ), which promised {$200.00} dollars after direct depositing {$100.00} or more into a checking account. The woman who helped me open my account at M & T assured me that I was eligible for the promotion and that she included the promotion code in the computer system at the time of opening my account. I arranged the direct deposit within the required 3 months and, as per the promotion, I expected to received my {$200.00} within 3 months of having my $ 100+ direct deposit go through. A direct deposit of {$100.00} went through on XXXX XXXX, XXXX. Three months later, I still had not received my {$200.00} so I called the bank branch. A representative asked me to email them the coupon I had to see the code. I obliged and the woman said that the promotion had a computer-based system with names in it of people who are qualified - apparently my name was not in the computer system. 

However, if this were the case, the M & T representative did not inform me of this when I first opened my account and even assured me I was eligible. Furthermore, the coupon mentions nothing about a computer-based system with eligible names ( I attached it to this complaint ). After mentioning this to a representative over the phone ( working at the branch where I first opened my account ), she told me she would call me back after looking into the matter. I never received a phone call or a message/email back from the representative and I never received the {$200.00} per the promotion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This bank is allowing strangers to use my available balance. They are also overcharging me for XX/XX/2020. I will contact the police if they do not stop bothering my credit card and banking accounts. I had an available balance of {$53.00} yesterday. The bank is allowing someone to access my credit card. I do not have any friends or associates to steal money from my checking or savings account. I paid a large payment on XXXX of 2020 yet I am farther over my limit. Why is that? Someone would have to back track my balance and available credit the last couple of months. This is ridicilious. How did I have {$53.00} available yesterday and now its {$53.00}. A stranger is causing my balance to go over the limit. My payment keeps increasing.

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 2019-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to work with Capital One/XXXX now for a long time. They are pulling every devious, hopefully criminal act they can. CFPB wonderfully got them to return {$8000.00}. However, what they did was apply it to a escrow account. There should not be an escrow account!! The attached paper show they finally closed the escrow account after me asking them to for years. So what do they do, they add this money to it, then close it. What incredible sneaks and names I will not print,. I pay my taxes every year. These XXXX think I have to pay by XXXX, but I am allowed to pay later. I just have to pay a little more money, which I do. To add to my troubles, they have subpoenaed by tenants for a hearing they scheduled in XXXX. This is after they broke into my house, claiming they thought it was vacant. They damaged the house, and now they are demanding my tenants appear in court! Outrageous. My tenants know nothing of this XXXX these XXXX are putting me through. Capital One and XXXX just want to embarrass me and most likely cost me the sale of my house. They continue to refuse my payments, and skyrocketing my debt, ruining my credit. CAN'T THEY BE STOPPED!!!!!! Please at least get them to apply the {$8000.00} to my payments and get them to let my tenants stay out of this mess, and lower my debt to where it should with them. THANK YOU!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had a loan with Nelnet for many years. I had a hardship deferment when I left school due to a family emergency. In 2015 my loan went into forbearance. I renewed the forbearance several times. Each time upon applying for the forbearance they had done an adminstrative forbearance bringing my account current and late payments forgiven. The last time they did not do this even though I was told they would do so like they always had. I now have two late payments on my credit report due to this oversight, the two loans I have through them made it four total. This is the only delinquency I have to my name and am feeling the reprocussions. Some then, I 'm no longer in forbearance and have been making timely monthly payments to pay back this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Hi was told 3 weeks ago in XXXX 2017 that they would n't be able to put my loans on Forberence spike to another rep 2 weeks ago told me not true put my loans in Forberance only to find out they did n't bow there threatening me by letter that they will send me in collections and take my wages. Its been so confusing I feel ill over this its like the never ending loans. They try to send me application for repayment its confusing I do n't know who to trust anymore please this is making me so sick they send me letters almost every three days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: AMERICAN EXPRESS COMPANY
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 a business  account that was opened in XXXX, closed in XXXX, then erroneously began reporting on my credit as of XXXX even though I am not the business owner for this account nor have any responsibility. Ive requested it be removed from my credit report numerous times to XXXX  and American Express. Neither has provided any justification why this account is being reported on my credit report, however they have not removed the account either. Please have XXXX and American Express to appropriately remove this account from my credit report immediately as this is currently in violation of my rights per Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were in foreclosure on our home. We went and spoke to a housing counseling agency who told us to begin saving all of our payments and the past due payments until our court date. On our court date we were told the foreclosure had been dismissed by Seterus although we had received a new foreclosure notice about 2 weeks prior. We asked our housing agency counselor how do we get current we have saved the payments and can pay up to date. She asked the attorney to send us a reinstatement letter. We received that letter after 2 additional requests for it. We went to the bank and wired the funds by the due date XX/XX/XXXX. Plus an additional {$930.00} to cover the XXXX mortgage payment. For a total wire of {$10000.00}. When I called in the following Friday XX/XX/XXXX to confirm Seterus receipt of our payment and that we were in good stAnding I was informed that we still owed the XX/XX/XXXX payment. That we had to pay {$10000.00} based on a statement we received from the company on XX/XX/XXXX. But that statement was received and dated prior to the attorneys letter that we received on XX/XX/XXXX. Seterus is telling us that they have nothing to do with what their attorney sent us. That those numbers were wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-08
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
PHOENIX KEEPS SKIP TRACING MY CELL NUMBER FOR A THIRD PARTY, 16 CALLS FROM ( XXXX ) XXXX, I HAVE SCREEN SHOTS AND RECORDS IN ORDER TO FILE A CLASS ACTION EFFORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase bank allowed over 15,000 worth of fraud on my account and their " customer service '' representatives are blaming me for the transactions. I have not left my city due to shelter in place, yet my card was used in ATMs in XXXX and XXXX XXXX for over a week while I was busy at home. Once I realized the fraud I tried calling chase and filing claims, their phone support was less than helpful as I was transferred from line to line to file claims, some of the customer service representatives even implied they didn't believe me because theres " the pin was used '' so it must have been me? That is ridiculous considering it is the banks job to protect their customers and figure out what happened to the money. Even though claims were filed for the transactions and a police report was filed, the funds have not been returned to my account- in fact I called back to check on the status of my claims ( filed two weeks ago ) and I was informed they decided there was no fraud! My account is over 4000 dollars in the negative in the middle of pandemic because Chase Bank wont take accountability or protect their customers!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-30
Company: Credit Karma, LLC
State: TX
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:
On XX/XX/XXXX I submitted a dispute for two accounts in collection on my XXXX credit report through the company XXXX partner 's with Credit Karma. 

According to Credit Karma 's website and XXXX, they are in partnership with each other. The dispute function is trademarked as Direct Dispute by Credit Karma in partnership with XXXX, this verbiage is clearly indicated on the Customer dashboard page. After submitting my dispute, Credit Karma indicated that the dispute was being transmitted to XXXX. I heard nothing more and continued to check my dispute status for many months via the provided Customer Dashboard as Credit Karma has no direct number to dial for assistance. My dispute status never updated. So, ultimately I contacted XXXX  on XX/XX/XXXX and they stated they never received the dispute via the Credit Karma conduit and that I would need to resubmit a dispute. I also contacted Credit Karma and they stated that they were " experiencing a communications error that prevented them from processing XXXX disputes. '' and that their team is working on fixing the issue. Mind you, in the over a year and a half, Credit Karma never once notified me of this matter or that they were working on the problem until after I bought it to their attention on XX/XX/XXXX, XXXX Credit Karma also offered the same resolution that XXXX advised, and that was for me to resubmit the disputes. 

In either case, I lost my documentation in support of my dispute and I am unable to obtain additional records due to the fact that the company that maintained the records has since gone bankrupt and been liquidated over two years ago. I am stuck and neither Credit Karma or XXXX is taking any type of responsibility on this matter. They are pressing resolution on to me. 

I am certain I am not the only one affected by this. Please investigate both of these company 's resolution and communication processes as they are not providing the service they are touting and, they are not taking responsibility for their erroneous and untimely processes and response times. My credit has been adversely affected during this duration and I am attempting to get the matter resolved. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
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: Their investigation did not fix an error on your report

Complaint:
I write to this credit repository last XXXX XXXX, XXXX. I have disputed two accounts, XXXX XXXX and XXXX. Both accounts have been reporting incorrect, inaccurate and incomplete information. These account has been reporting incomplete and inaccurate late payments. credit bureaus show either " no data '' or " unknown in most months in my payment history. They are also reporting " 90 days late '' without prior late?!. Account # XXXX has been removed/repaired. But account # XXXX, still reports the error violating FCRA.

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 2019-04-30
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I have made many attempts to dispute the incorrect late status in XXXX and XXXX of the Department of Education accounts. My accounts has never been late. They have always been in deferment or 0 payment on the IDR. Please assist me in getting these derogatory reporting from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed bankruptcy XX/XX/2012. The bankruptcy is still showing up on my TransUnion credit file past the 7-year deadline. I have on numerous occasions and most recently in XXXX disputed this error and informed TransUnion. They are reporting passed the Federal Credit Reporting deadline. Since this is affecting my ability to purchase a house I would like to take every legal action available against TransUnion. 
Thank you

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 2019-04-30
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There was a dispute that was made to LVNV FUNDING LLC in the bringing of XX/XX/2019. The dispute came back as verified, however, I never received any documentation ( the original application with my signature and the date open ), proving that it is my debt. Since the dispute, the collection has gone from derogatory to being charged off on XX/XX/19, in the amount of {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
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:
Carrington Mortgage has now falsely reported my XX/XX/2020 payment as 30 days late. This is the third adverse retaliatory action taken against me since I attempted to exercise my rights under The Fair Credit Reporting Act ( FCRA ) by disputing Carrington 's handling of my XX/XX/2020 payment. Currently, the 3 negligent acts taken against me include : reporting my XX/XX/2020 payment as 30 days late, reporting my XX/XX/2020 payment as 30 days late, and inflating my principal balance back up to {$48000.00}. I will gladly attach bank statements showing my cleared checks to Carrington and credit reports showing the above facts. Carrington 's actions are clearly a willful violation of Federal Law. 

While the reality was that Carrington was sending these false reports ( e.g. 30 days late XXXX, and 30 days late XXXX ) to the credit bureaus, Carringiton would write me letters hinting that they were investigating my account history as evidenced by the following quotes in a XXXX letter : our records show that the CMS Loan Administration Support Department originally received an inquiry from you on XX/XX/2020, XX/XX/2020 and XX/XX/2020 ... 
Moreover, the Loan Administration Support Department received the following Automated Credit Dispute Verifications ( ACDV ) from you : ( 1 )  on XX/XX/2020 from XXXX  ( 2 ) on XX/XX/2020 from XXXX  ( 3 ) on XX/XX/2020 from XXXX  ( 4 ) on XX/XX/2020 from XXXX ( 5 ) on XX/XX/2020 from XXXX  ( 6 ) on XX/XX/2020 from XXXX ( 7 ) on XX/XX/2020 from XXXX  ( 8 ) on XX/XX/2020 from XXXX  and ( 9 ) on XX/XX/2020 from XXXX.. 


Carrington Mortgage attempts to hint that they were diligently and accurately attempting to correct any innocuous glitches with my credit report, yet I contend they were actually creating more problems ( e.g. false claim of late XXXX payment, false claim of late XXXX payment, and inflated principal balance back up to {$48000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: CAVALRY INVESTMENTS, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This firm CAVALRY SPV I , LLC / XXXX AND XXXX, XXXX filed judgement against me on XX/XX/2010. I have paid them over XXXX on an original judgment of XXXX they sent me a new judgment amount showing I still owe XXXX ( see attached statement ). They have issued a garnishment against my wages that jeopardizes my employment and my ability to pay my month debts. I tried in the beginning to pay this amount directly to them versus garnishment and they would even respond.

Company response to consumer: Closed with explanation