BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
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:
Disputed information by Equifax has been reaged by changing the date first reported. I have called to let them know and they say that there is nothing that they can do about it. Information reported is also consistently verified as accurate, such as date of first delinquency, though the dates aren't possibly correct when considering other information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I asked the credit bureau to do thorough research an verification everything on my credit reports and they did states they verified it and I still found some inaccuracies after they did the thorough research. Still improper use of my credit report. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX .... 

XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXXXXXX .... 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Identification number XXXX Item name XXXX XXXX XXXX XXXX  XXXX Identification number XXXX Account name XXXX Account number XXXX XXXX. 
Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX Account number XXXX .... 
Account name XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX Account XXXX XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX XXXX XXXXXXXX Account number XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Please see all credit report and screenshots proving that they did not do the full thorough verification report. you can see the inaccurate dates for date opened, inaccurate account numbers, and the date of last activity, and last reported is all inaccurate. Please remove from XXXX, XXXX and Transunion.

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 2018-01-27
Company: Pinebrook Holdings, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2017, I financed approximately {$350.00} with XXXX XXXX, due to financial hardship. I was unaware that I would be charged roughly {$700.00} in interest. Due to health issues I defaulted on this and was unable to make my first payment. I called and explained my health issues and my inability to pay. They continued to call me aggressively ( at least 2 to 3 times daily ) ; this was after I tried to work out a payment plan. I was able to get a job in XXXX and despite my efforts to work out a reasonable payment, they continued to pursue me and harass me aggressively. I have made {$50.00} in payments due them and noticed they continued to add interest, AFTER I was delinquent/defaulted on loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-30
Company: HANCOCK WHITNEY BANK
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Was denied a medallian stamp to unlock treasury acvount on or around XX/XX/2019. It was said that the amount in the account was needed in order to use seal. I came back the next day to rebut and was denied twice by XXXX XXXX of Hancock bank on the XXXX XXXX XXXX XXXX. On my second visit i was told she sent her medallion stamp back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Global Portfolio Recovery, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681 ( i ) and 15 USC 1692 ( a ) ( 5 ) there is no debt. This collection is not this consumers account.

This assumed debt was charged off after an internal credit in the amount of the loss in order to zero out the balances and close the account. The loss balance is then transferred from the Internal Active System to the Internal Collections System which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been zeroed out and the contract has been satisfied.

This consumer is only responsible for the zero account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then XXXX XXXX XXXX  has no claim.

I hereby irrevocably refuse to consent/contract to XXXXXXXX XXXX XXXX agency because there is no law required for this consumer to do so. Until XXXX XXXX XXXX agency can provide a lawful authority by which this consumer is subject to comply with submitting to XXXX XXXX XXXX or jurisdiction in violation of my rights to be free of involuntary servitude.

This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) XXXX XXXXy is hereby warranted to Proof of Claim in Arbitration.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-27
Company: BBVA FINANCIAL CORPORATION
State: TX
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:
BBVA is the absolute worst company ever. You can't get through to their line for the life of you. I am currently on hold for 45 minutes AFTER being HUNG UP on by he previous representative. I hate this company and their poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I called this midland credit to pay off my accounts. The manager refused to give me his real named and said his business name was XXXX. He refused to send me a letter stating that he would remove these accounts from my credit report and claimed he could only verbally say it over the phone. I stated several times that I would pay him in full once I received the letter but he refused every single time. He threatened to take legal action and I told him I wasnt afraid to see him in court and explain to the judge that I tried to pay several times and he refused to send me a letter. After several minutes of threats for legal action, I asked him to please send me the letter so I had proof or to stop calling me. He once again refused the letter. He again refused his real name and said his business name was XXXX. I want to pay and he made it very difficult. I do not understand why they wouldnt want to work this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 I was approved by PNC Mortgage for a {$260000.00} mortgage loan to purchase a condominium at XXXX XXXX  XXXX XXXX, XXXX XXXX, Ohio XXXX. 
On XXXX XXXX I received a call from the PNC loan officer, XXXX XXXX, telling me that my loan was disapproved. 
The closing on the purchase of my condo was scheduled for XXXX XXXX and for the sale of my house in XXXX, Ohio was scheduled to close on XXXX XXXX. 
This left me only 3 days to find and arrange for {$260000.00} to be wired to XXXX XXXX XXXX XXXX XXXX on XXXX XXXX so that we could purchase and move into the condo. 
On XXXX XXXX my wife, XXXX, and I met with XXXX XXXX, the PNC XXXX Branch Manager, in person get the many documents I loaned to the mortgage officer, and to pick up a written statement ( " Notice of Adverse Action '' ) of why the PNC Mortgage company waited until the " XXXX hour '' to tell me on XXXX XXXX that I would not get the loan they approved on XX/XX/XXXX. 
I was met by a security guard, the PNC branch XXXX and a PNC " witness '', for the 15 minute meeting, and the Branch Manager, XXXX XXXX, who we have known and banked with for 20 years, made no apologies, and gave no written or verbal explanation of why we were notified only 3 days before we closed on the purchase of the condo. The notice of adverse action from PNC only stated that my income from self-employment decreased in 2020. 
My wife spoke up and then XXXX said the situation was unfortunate. We received only a short written statement from PNC saying that because I was XXXX   and my income was lower in XXXX  ( due to COVID-19 ) that I was not approved for the loan. 
If I was not able to get the {$260000.00} from other sources in 3 days ( by XXXX XXXX ) my wife and I would not have a home to live in after the sale and closing of our former house at XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. 
With gratitude, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent account. Opened without my knowledge, consent or authority. Please remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
WE ARE REQUESTING FOR A REPAYMENT OPTION/PLAN OR MODIFICATION SO THAT OUR ARREARS THAT WE ARE PAYING THROUGH CHP XXXX BANKRUPCY, WE CAN HAVE THE BANKRUPCY CONVERTED TO A CHP XXXX AND PAY AN ADDITIONAL XXXX MAX A MONTH TOWARD OUR ARREARS SO THAT WE CAN CURE OUR ARREARS BECAUSE WE CAN AFFORD TO PAY OUR BANKRUPCY PAYMENTS, BUT THINGS ARE TIGHT BECAUSE WE ARE MAKING A HUGE BANKRUPCY PAYMENT OF {$1800.00} A MONTH. OCWEN OFFERED US 3 MODIFICATIONS BETWEEN XXXX, BUT DUE TO ME BREAKING MY ANKLE AND A YEAR LATER THE HARDWARE CAME OUT OF MY LEG CAUSING ME TO HAVE EMERGENCY XXXX. I AM NOT ASKING FOR A FOREBEARANCE ALTHOUGH WE PROBABY QUALIFY FOR ONE, WE ARE MAKING ENDS MEET AND WE ARE PAYING OUR MORTGAGE ON TIME AND WE JUST WANT TO CURE THE ARREARS WITH OCWEN/PHH BECAUSE THERE IS NO NEED FOR US TO BE IN BANKRUCPY WHEN WE CAN RESOLVE OUR OUR MORTGAGE ISSUES WITH OCWEN/PHH. THEY WILL NOT GIVE US A REAL REASON OTHER THAN WE WERE DENIED 6 TIMES AND THATS NOT TRUE, THEY NEED TO CHECK WITH THE SERVICER OF THE LOAN, OWCEN BECAUSE PHH IS COLLECTING THE PAYMENTS. 

THANKS VERY MUCH XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, NJ XXXX XXXX XXXX WE LOOK FORWARD TO HEARING FROM YOU SOON.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery collection agency was filed on my report on XX/XX/2017 The amount that this company is saying that I owe is a total of {$360.00}. I do not have a contract with their company, and I requested copies of the contract where it states that I should pay this amount. Portfolio Recovery was not able to give any validation just a copy of a bill that I was not responsible for. I am asking that they remove any collection amount from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I got a LOWES credit card last year with the promotional offer of 0 % APR for the first 18 months. After making payments of over a year, I recently discovered that I was being charged a debt protection fee that I have zero knowledge of agreeing to. Over the past year, XXXX XXXX has been charging me up to {$74.00} a month for something A ) I didnt sign up for, and B ) dont qualify for since Im XXXX. 

The only thing I was able to do was to stop from having the charges continue moving forward by opting out. I dont get my years worth of paying this phony fee back. To say that I feel cheated is an understatement. 

XXXX XXXX should tell their borrowers that theyre charging their new customers a free each month for something they may not be aware of or ever be able to even benefit fit from. How is this even legal?

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 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 would like to report an identity theft in my credit file, upon checking my credit I found a number of accounts that are fraudulent, such accounts do not belong to me and should be removed from my credit report, they had impaired me to obtain credit and had cause me to pay high interest.

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 2020-10-09
Company: ERC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: PERSIAN ACCEPTANCE CORP
State: CT
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 called all the 3 credit beauros and tried to remove credit inquires that were made using my identity. i have been a victim of fraude and sent them police reports and they never removed the credit inquires and 1 of my accounts on XXXX for a car loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I've been fighting these accounts for several months.

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 2018-01-27
Company: EQUIFAX, INC.
State: NJ
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:
I have contacted Equifax on the following dates Via Mail Thursday, XX/XX/XXXX XXXX XXXX Tracking : XXXX Tuesday, XX/XX/XXXX XXXX XXXX Tracking : XXXX Via Phone XX/XX/XXXX XX/XX/XXXX I contacted Equifax numerous time to explain after their compromised information on my credit file was deleted and changed. My tradelines completely disappeared which were eventually replaced after 3 attempts to their call center in XXXX. My name variation which has caused multiple denials and inquires still effects me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27
Company: EQUIFAX, INC.
State: NM
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:
XXXX, Equifax and XXXX XXXX  are ignoring my many requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This complaint is in follow up to a previously filed complaint with the CFBP. The previous complaint number was XXXX and it will be attached to this complaint as a reference. 

In that complaint, Freedom Mortgage agreed to remove the 30 day late payment from my credit report. In their response, they indicated the following : " The payment received on XX/XX/XXXX was posted to unapplied funds in error and then applied as a payment on XX/XX/XXXX which caused the adverse credit reporting. We have corrected the credit reporting to show as current in the month of XX/XX/XXXXsince we received the payment in XXXX. '' After I received this response, I disputed the information on my credit report as well as my wife 's, citing the late payment was an error and that Freedom Mortgage agreed to remove the late payment. Shortly thereafter, Freedom Mortgage verified the 30 day late payment was accurate and indicated they would not remove the item from my credit report. This occurred after the initial complaint # XXXX was closed. I spoke with a representative of Freedom Mortgage on the phone and their response was " the information is reporting accurately '', and that if I had any issues, nobody at Freedom Mortgage can help me. He indicated to me I would need to hire an attorney to fix the problem. This answer is unacceptable. 

My concern is that Freedom Mortgage is telling the CFPB one thing and they are doing another. They are not following through with what they are telling the CFPB.

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 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my baby girl. I as that you please remove all these false misleading inquiries from my credit report so I can began to repair my creedit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.

15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX CARDS XXXX  XX/XX/XXXX 6.KEY XXXX  XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XX/XX/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