BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-29
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Vehicle was repossessed on XX/XX/2018, two weeks after a partial payment was made and applied to the account. There was also a full payment made and pending on the account the same day the vehicle was repossessed. I never received a letter with instructions on how to how to send remaining payment, as required per state law, but the account was brought back current on XX/XX/2018, via the payment method I always use and released the same day after a very lengthy 45 minute call ( which included calling my bank to verify all of the funds submitted were not in the process of being canceled ). 

On XX/XX/2018 and XX/XX/2018, CPS reported to all of the major credit bureaus that this account was last updated with a payment made on XX/XX/2018, the account status is Involuntary Repossession and they closed the account. The account is in fact current and the due date effective XX/XX/2018 and XX/XX/2018 is XX/XX/2018. Also, I am showing that for the entire term of the loan ALL payments have applied soley to interest only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Caliber Home Loans, Inc.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB, Please find my complaint against XXXX who pretends to be a " servicer '' for some non-existing Trust, and the owner of my " debt '' which they " purchased '' from some secretive source which nobody can identify. 

Please also find my complaint against Caliber Home Loan , Inc. a previous Servicer. I demand identification of the party who maintains an asset account consisting of my alleged loan receivable as an asset and who maintains escrow accounts and pay property taxes. 

Since XX/XX/XXXX XXXX refused to provide me ANY information related to their purported ownership of my loan which XXXX purportedly purchased from someone whom nobody cans identify. 

XXXX also pretends to maintain my escrow account where XXXX collects my money to suppose pay taxes and property insurance. 

In fact, XXXX does not pay my taxes and I suspect they do not pay my property insurance as well. 

I went to my local Treasurers office in XXXX XXXX and asked treasurer XXXX XXXX to verify if XXXX paid my taxes. 

Treasurer XXXX did not had any records about XXXX paying my taxes. 

Neither PennyMac or Caliber never provided me ANY receipts of their payments for my taxes and insurance from my escrow account I demand PennyMac and Caliber to provide me copies of ALL receipts for their payments of my property taxes and home insurance, beginning from XX/XX/XXXX to present time. 

Please also provide me the name and contact information if the person who is/was responsible for bookkeeping records and escrow accounts at the Company ( s ) from XXXX XXXX ( at Caliber ) and XXXX time at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB, Please find my complaint against PennyMac who pretends to be a " servicer '' for some non-existing Trust, and the owner of my " debt '' which they " purchased '' from some secretive source which nobody can identify. 

Please also find my complaint against XXXX XXXX XXXX XXXX XXXX a previous Servicer. I  demand identification of the party who maintains an asset account consisting of my alleged loan receivable as an asset and who maintains escrow accounts and pay property taxes. 

Since XX/XX/XXXX PennyMac refused to provide me ANY information related to their purported ownership of my loan which PennyMac purportedly purchased from someone whom nobody cans identify.

PennyMac also pretends to maintain my escrow account where PennyMac collects my money to suppose pay taxes and property insurance.

In fact, PennyMac does not pay my taxes and I suspect they do not pay my property insurance as well. 

I went to my local Treasurers office in XXXX XXXX and asked treasurer XXXX XXXX to verify if PennyMac paid my taxes. 

Treasurer XXXXXXXX did not had any records about PennyMac paying my taxes. 

Neither PennyMac or XXXX never provided me ANY receipts of their payments for my taxes and insurance from my escrow account I demand PennyMac and XXXX  to provide me copies of ALL receipts for their payments of my property taxes and home insurance, beginning from XX/XX/XXXX to present time. 

Please also provide me the name and contact information if the person who is/was responsible for bookkeeping records and escrow accounts at the Company ( s ) from XXXX XXXX ( at XXXX  ) and XXXX-present time at PennyMac.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please delete the accounts below : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Dates of inquiries : XX/XX/2018,XX/XX/2018,XX/XX/2018 Theres an erroneous amount of inquiries on my credit reports from your company. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Been trying to get my money refunded after someone stole all my money from my card and bank of America keeps declining my dispute and will not provide me a reason why it's been two years back and forth with this bank

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 2022-02-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is consistently ignoring my requests to update an account which the data furnisher has already admitted they're reporting erroneously. AMEX # XXXXreported I was late on my payment. But they had closed the account & never adjusted the accounting accurately. XXXX has not done their job in verifying this information. I've contacted them numerous times over the phone as well as AMEX. The account is in good standing. XXXX has failed to comply with FCRA Section 611 where they're supposed to get verifiable proof. They're also violating section 616 & 617 by willful noncomplying with FCRA laws. I need both AMEX & XXXX to update their records to reflect a positive tradeline. I'm currently suffering emotional stress which is causing performance issues at my job. I need this matter handled ASAP. Please update to closed/never late. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: Mercedes Benz Financial Services
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the covid pandemic caused me to need to sell my vehicle to rearrange my finances. mbfs has been paid in full and still months later shows a locator lien with the contact info for XXXX XXXX preventing me from selling my vehicle. I needed to handle some things and there actions is causing me extra financial stress. they have also incorrectly reported information to the credit bureaus which needs to be fixed along with all notes removed from all credit bureaus. mbfs was paid off early yet seek to place derogatory notes on my credit profile along with having a lien locator on my vehicle after being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt is for a phone bill I co-signed for back in XXXX. I noticed it on my credit report years later. I believed my state of Texas has a statute of limitations of 7 years. Since it was about 2 years to go I let it go to the statue. I never heard anything about it again until it showed up in XX/XX/XXXX. 
Original Creditor : 11 XXXX in or around XX/XX/XXXX for {$490.00} I guess the debt was sold. 

Because I noticed it back on my credit report under the name of : SW Crdt Sys opened in XX/XX/XXXX for {$550.00} Please Help Thank You Kindly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit 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:
After not using this Amazon /Synchrony credit card for years ( 3-4 years ), I all of a sudden got charged {$13.00} for the XXXX billing statement. I called them and told them that I have not used this card and this is obviously a fraudulent transaction. The representative said this was a fraudulent transaction and somebody was able to access my account, and that she will credit the XXXX but I told her that I wanted to close the account. She referred me to the Supervisor and I thought that this was taken care of. I was surprised that I got another billing statement with {$29.00} balance including late payment. Obviously they did not resolve the issue. They closed the account for purchase but did not completely close it. Now I m afraid that somebody can hack or access my account and this credit card company does not seem to care

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 2020-09-22
Company: LEXISNEXIS
State: CT
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 am very concerned regarding the serious possibility that you have not follow permissible purpose provision of the federal fcra. Hey credit account an inquiry was placed on my credit report. The ACT specifies that you must document the reason for requesting my report and when in error remove them as well. I'm depending XXXX XXXX to follow the statute : need to provide documentation that allow is followed by researching the matter at once or move this offending account and inquiry as soon as possible yours truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have XXXX XXXX Inquiries that I didn't file for

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 2018-10-29
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, XXXX in XXXX, Florida is reporting a {$0.00} XXXX balance on my credit file. The company said that I paid the collection directly to XXXX XXXX. XXXX is saying they have no record of me going to collections. IT has all the information then it say XXXX balance. I have never made any payment to this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Home Loan with Wells Fargo on XX/XX/2020. I was contacted the following day by the home mortgage consultant. I had already been pre-approved by Wells Fargo for {$400000.00}. I found a home for {$160000.00} that I decided to make an offer on and started the purchasing process. 

After communicating with the home mortgage consultant through XX/XX/2020 I was then handed off to a loan mortgage processor who began requesting my financial information which I provided. on XX/XX/XXXX, I was told the underwriter was reviewing my file. 

I requested status updates throughout this process and did not receive a response until XX/XX/2020 at which point I was told by the consultant that himself and the processor were working to get the loan approved and closed. 

I was again left without any updates until XX/XX/2020 at which time I was told they " would be in touch ''. I was sent an email about getting a " Rate Lock '' for my loan on XX/XX/2020. 

At no point during this entire process was I informed that my current employment was " insufficient '' for my loan application. I am a veteran who also receives VA Compensation. From my understanding this is also supposed to be considered as regular income. 

I work XXXX  currently for the US Military and according the Wells Fargo this is not a " reliable source of income ''. I do not see how this type of employment is any different than any other employment in an " at will '' state. 

We were set to close on this property XX/XX/2020. We had to get an extension on the purchase agreement because of Wells Fargo not responding to emails or calls about the status of the loan. 

On XX/XX/2020 I was told my loan was denied. The only reason being " employment income is temporary or not regular ''. I have guaranteed VA Compensation and my employment is not any more temporary than anyone else that is employed in an " at will '' state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT
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 am very concerned regarding the serious possibility that you have not follow permissible purpose provision of the federal fcra. Hey credit account an inquiry was placed on my credit report. The ACT specifies that you must document the reason for requesting my report and when in error remove them as well. I'm depending penny mac to follow the statute : need to provide documentation that allow is followed by researching the matter at once or move this offending account and inquiry as soon as possible yours truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Remove the information from my reports

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 2022-02-17
Company: Harpeth Financial Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon pulling my credit report on XXXX XXXX I was surprised to see an entry from a company that I have never heard or done business with. I have not received any communication regarding this alleged debt and I have no idea where it came from. I am a victim of identity theft and I believe that this alleged owed debt may be due to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XXXX/XXXX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2020 Capital one deny me equal rights. One because my credit score The fact proves my credit worth.Two my credit report prove my pay ment history. They violated my rights under the consumer financial protection bureau law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Google Compare Credit Cards Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
Scammed with Google Play Cards of {$6000.00} Alias name of U.S. Marshal/Immigration

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TRYING TO GET MY DISPUTES PROCESSED THROUGH THE CREDIT BUREAUS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Experian Information Solutions Inc.
State: NJ
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:
Electronic - XXXX verification Portfolio Recovery account number:XXXX {$2100.00} In may, XXXX and XXXX of 2019 I requested verification according to the FCRA section XXXX ( a ) ( XXXX ) ( A ) - through the physical verification of an original signed consumer contract and have not recieved a proper investigation or the requested documentation.No method of verification has ever been disclosed or shown and this violation continues to cause damage to my 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 explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, Experian XXXX XXXX, have all failed to correctly report the account balance on my XXXX/ XXXX XXXX, Credit Card. The account was last updated XXXX XX/XX/2021. We have now completed the first week of the new year and still my credit reports do not show the correct balance on my XXXX credit card which adversely affects my credit utilization.

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 2021-02-01
Company: AES/PHEAA
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: Their investigation did not fix an error on your report

Complaint:
I have made several disputes throughout XXXX, in regards to my account with Fed loan Servicing. There are 5 accounts being reported as 90 days late, in XX/XX/XXXX that were included in an approved forbearance period. This information is continually being added back to my credit even though I have repeatedly disputed it. This inaccurate information is hindering my ability to purchase a home. I have repeated sent certified mail to both the lender and all 3 credit bureaus, and there has been no permanent solution.

Company response to consumer: Closed with explanation