BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-01
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX claims date of first delinquency is XX/XX/2011. Statute of limitations is 6 years in Nevada. This debt is too old and needs to be removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There are several inaccurate reporting items on my credit report. I have attempted to get this issue rectified. So now I need your assistance in this matter : Transunion has incorrect personal information : Incorrect Name : XXXX  Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX  has incorrect personal information : Incorrect Name : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  XXXX  has incorrect personal information : Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  There is fraudulent accounts reporting on my credit file : XXXX  - Opened XX/XX/XXXX Balance : XXXX ( XXXX, TU, XXXX  ) XXXX/ XXXX XXXX  - Opened XX/XX/XXXX Balance : {$140.00} ( TU and XXXX ) XXXX XXXX XXXX - XXXX  XXXX XXXX/XXXX  - Opened XX/XX/XXXX Bal : {$100.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$620.00} There many unauthorized inquiries that reporting that I was not aware of : XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX  ( 6 TIMES ) XXXX  XXXX ( 2 TIMES ) XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( 2 TIMES )

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 2020-12-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a Mortgage Loan with SPS. I have been very very regular for many years. But the COVID Pandemic really played havoc with my XXXX XXXX, finances and rental income. 

I XXXX a XXXX in downtown XXXX XXXX XXXX, which is very badly affected by COVID. I spent about $ XXXX to fully renovate my XXXX from XX/XX/XXXX till XX/XX/XXXX. And the XXXX was closed during this time. From XXXX this year, I had to gain close down XXXX XXXX because of the rampant COVID in XXXX XXXX XXXX So there is ZERO XXXX  income, throughout this year. 

On top of it, my XXXX are not paying XXXX for the last 7 months. And because of the moratorium on evictions, my Attorney tells me that the eviction case will have to wait till XX/XX/XXXX, to be taken up by the Courts. 

So I am squeezed from all sides and it is becoming very very difficult to make both ends meet. 

But yet, with all these hardships, I have been paying my Mortgage regularly until 2 months back. As I exhausted all my savings I was forced to stop paying the Mortgage since 2 months. In fact, many of my friends already got Forbearance for 12 months. 

So I called SPS and requested their help. But they said I am not eligible as it is a private Loan. They sent me lengthy paper work asking me to fill up all that to see if I can qualify for any Loan assistance. 

I understand that under CARES Act., hapless borrowers like me are eligible to get Forbearance by just answering a couple of questions about the COVID Hardsip.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX REPORTED LATE PAYMENTS FROM ME IN XXXX, XXXX XXXX AND OF 2018. I ATTEMPTED TO GET IT RECTIFIED AND XXXX XXXX SENT ME A LETTER WHICH I THEN FORWARDED TO THE THREE CREDIT BUREAUS, HOWEVER XXXX AND EXPERIAN CONTINUE TO REPORT LATE PAYMENT DURING THIS TIME 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 explanation
Consumer complaint received 2020-08-30
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I paid out Caliber Home Loans - loan number- XXXX. According to my mortgage statement I had an escrow balance in excess of {$1100.00}. I sent 2 e-mails starting on XX/XX/XXXX and have left 2 messages. To date no response. Their automated system states that they will get back to you in 5 days that didn't happen. 
Their XXXX number is XXXX. According to RESPA the refund should have been issued within 20 days. 

Mr. XXXX XXXX is the Chief Executive Officer and should be made aware of what I believe to be a gross negligence that could result in a revocation of a Lender License for not complying with Federal Laws. At the least customer correspondence should be answered in a timely manner. 

My number is XXXX Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: CO
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:
AGAIN I FILED A COMPLAINT AND ADVISED EQUIFAX BACK ON XX/XX/2019 AND ADVISED THEM CREDIT SYSTEMS WOULD BE ATTEMPTING TO ADD AN ACCT THAT THEY ARE ILLEGALLY ADDING TO MY CREDIT. THEY REFUSED TO VALIDATE THIS DEBT BACK ON XX/XX/2019 AND THEREFORE NULL AND VOIDED THEIR RIGHTS TO ADD THIS ACCT. IT WAS ADDED AND REMOVED BY EQUIFAX LAST YR AND ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. AND THEY ARE ASSISTING THE COMPANY IF VIOLATING THE FAIR DEBT COLLECTION PRACTICES ACT. THIS ACCT NEEDS TO BE REMOVED IMMEDIATELY. I AM REALLY FRUSTRATED WITH HAVING TO KEEP DOING THIS, BUT I HAVE WORKED TOO HARD TO BUILD MY CREDIT. THEY NULL AND VOIDED THEIR RIGHT. THIS ACCT IS OVER 1 YR OLD AND XXXX XXXX XXXX BREACHED THEIR CONTRACT AND REFUSED TO CANCEL CONTRACT UNDER Service members Civil Relief Act AND ALSO UNDER THE POLICY THAT I COULD CANCEL IF I HAD A MEDICAL CONDITION THAT DID NOT ALLOW ME TO XXXX ANY LONGER AND I HAVE SEVER XXXX. I ALSO RELOCATED TO ILLINOIS AND THEY COULD NOT PROVIDE THEIR SERVICES IN THAT STATE SO THEY COULDNT ABIDE BY THEIR OWN CONTRACT. THEY ARE NOT THE ORIGINAL CREDITOR AND RECEIVED MONEY BACK ON TAX RETURNS THEREFORE NO AMTS ARE OWED. THEY CAN NOT LEGALLY " DOUBLE DIP ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am unable to use XXXX to transfer money to others. When I click on " Pay '' in XXXX and then select my PNC Bank account it says " PNC has made change that prevents you from being able to link your accounts ''. I did call PNC and they couldn't fix it. They said the issue is due to XXXX  but everything looks clear from my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out to ABILITY RECOVERY SERVICE via phone on XX/XX/XXXX at XXXX XXXX after disputing false charges that they reported on my credit to XXXX, XXXX  and XXXX. I reached out to this creditor to discuss a debt that was reported falsely on my credit three times to XXXX, XXXX and XXXX  in XX/XX/XXXX. The original account was opened in XX/XX/XXXX and removed in XX/XX/XXXX and ABILITY RECOVERY SERVICE re-opened this account in XX/XX/XXXX as a new account which its not. The representative proceeded to tell me that the charges weren't false and that I went to the doctor three days in a row and acquired 3 separate bills for the exact same amount which is XXXX with in those three days. Which is ridiculous. While im trying to explain to the representative that what he is saying is incorrect, he began to speak over me. I told him that i would like proof of these three separate bills with a total of XXXX for each on 3 separate occasions and he hung up on me.

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 contacted XXXX XXXX to get an extension on a due date of XX/XX/2019 and they assured me it would not go against my credit. It is showing as a late payment. XXXX refuses to fix it, and the report I filed with XXXX  did not show any updates once completed. The reports I filed with TransUnion and XXXX  have not been resolved or responded to after a considerable amount of time.

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 2020-12-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello. 
Thank you for your assistance. 
On XXXX XXXX XXXX my debut card was lost/stolen. The thefts rang {$450.00} worth of things on my acct. mainly from gas stations and grocery stores where PINs arent required. 

My complaint is Chase Bank is Holding me responsible for the charges. No Pin was ever entered and card was reported stolen and turned off XXXX XXXX. 
They are trying to say that due to a financial misunderstanding with a merchant back in XXXX who was double charging me ( XXXX ) They saying thats card was never closed and because of that Im responsible for all these fraudulent charges amounting to {$450.00}. 

I am On XXXX, I only get {$1000.00} / month. 
No way did I do this, but the bank is refusing to give me back me money. 

Please Help. I did Everything I was Suppose to do, reported card lost / Stolen as soon as i was Aware and turned card off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-30
Company: SECURITY FINANCE CORP
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-02-22
Company: DISCOVER BANK
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This communication is a response to the closed status of CFPB Case no. XXXX. I filed my original complaint subsequent to CFPB 's notice in XXXX regarding XXXX student loans and fraudulent lending practices. I wanted to go on record regarding my experience with Discover. Discover responded to my CFPB complaint in a letter dated XXXX XXXX, XXXX that contained numerous false claims. I was not offered the option on the CFPB website to respond, and during a phone call to CFPB today, I was informed that my only recourse now is legal counsel. 

Please add to my record of this case that Discover responded to my complaint with additional fraudulent claims and misrepresentations. I am not going to seek legal counsel as I am facing health issues which require my full attention currently. I do feel that CFPB should have seen this case to a final resolution instead of further allowing this predatory lender to continue its unethical practices and victimizing vulnerable borrowers. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Sunset Management, 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Consumer Portfolio Services, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The Vehicle was awarded to me in a divorce settlement, I am trying to talk with someone to get the loan straightened and have also sent them payments which they have accepted. Have not been able to speak to a person at Consumer portfolio services. They sent XXXX XXXX XXXX located in XXXX Michigan to my house at XXXX XXXX XXXX XXXX in XXXX Michigan on Sunday XX/XX/2019 at about XXXX XXXX, I found the driver in my garage and told him to get off my property he was threatening me, telling me he was taking the car and told me I was not stopping him and then went to his truck and laid on the horn and was yelling I have a repo here, this continued for about 2 minutes, he then went around the corner blowing his horn and continued to yell out the window. Last night on XX/XX/XXXX at about XXXX XXXX, I was walking a block over and heard a horn going off, I got back on my block and XXXX  XXXX XXXX was back in front of my house with there lights on and again blaring the horn yelling repo, we have a repo, they were also yelling at my minor son, there were 2 men in the truck this time, I have them on video, I advised them to stop and the guy was yelling profanities at me and he was yelling I should pay my bills, I called the police, also my gf advised them they were going to be maced if the did not leave, they left about 2 minutes before the police got there, the police issued us a complaint for the company acting in a disorderly manner and told is to call them back if they showed backup. They have also went to my ex wife 's house at about XXXX XXXX at night and tried to order her to open a barn and put her dogs away. I want this harassment to stop now, I am trying figure what I still owe, I have already paid, XXXX on a XXXX dollar loan. The complaint number from XXXX Police Department is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts and credit inquiries listed on my Equifax credit report are fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX   XXXX, XX/XX/XXXX, {$1500.00}, XXXX , XXXX . XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XXXX , XXXX . XXXX XXXX, XXXX XXXX/XXXX   XXXX, XXXX XXXX/XXXX, XXXX/XXXX and XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Today, in reviewing my credit on XXXX XXXX, I noticed 6 hard inquiries that I did not recognize. They are on my TransUnion report and are dated XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017. Additionally they were all tied to National Credit Cards/Airlines. I called TransUnion and they said they were from XXXX XXXX and I would need to call them and provided me the phone number of XXXX. I called and spoke with a representative and explained the situation. He stated the National Credit Cards/Airlines was indicative of an issue with XXXX XXXX and this was a known problem and I would need to contact them to have it removed. Not fully understanding, I asked to speak with a supervisor and was connected to another supervisor and she stated the same thing. She stated several years ago, XXXX XXXX placed thousands of hard inquiries ( manifesting through National Credit Cards/Airlines ) on credit reports and had to go back and fix it. She stated they have begun to do this again. When I reached out to XXXX XXXX, I was redirected to TransUnion who again redirected me to XXXX XXXX who again sent me to XXXX XXXX. It's a never ending and vicious cycle and meanwhile, I am suffering, because these hard inquiries affect my credit adversely. I am in the process of trying to end a toxic relationship and get into a new living situation either through buying or renting a house and this is going to make things really difficult for me. I did some research on the situation and understand this has definitely been happening and people have reached out to the CFPB for help. I am desperately reaching out.

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 2020-08-30
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account on XX/XX/2018 and was promised a {$600.00} dollar bonus within 60 days. I called Citibank and they told me to wait another 90 days, which I did. Every supervisor ( XXXX, XXXX ) told me I was eligible for the bonus. It has been 6 months now and I have not received it yet. I have tied up {$50000.00} and have even opened a dispute. Still no bonus.

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
Due to Covid -19 I asked my auto lender XXXX XXXX XXXX for a 2 month reprieve from monthly payments ( XXXX & XX/XX/2020 ) as I was just laid off. Payments were to begin XX/XX/2020. XXXX XXXX XXXX made the arrangements and stated to me that my account was on hold for the following 2 months. 

I recently had my credit pulled and noticed a late payment date of XX/XX/2020 for my XXXX XXXX XXXX loan. XXXX XXXX XXXX refuses to remove the incorrect late that they placed on all 3 of my credit bureau profiles.

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 2020-08-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation