BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-16
Company: EQUIFAX, INC.
State: SC
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 disputing fraudulent items that are on my credit report due to ID theft. The reporting agency have failed to removed the items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: ND
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I had a hose break under my dishwasher while we were gone and cause water damage to my home. I called my insurance company and reported the damage the following day. After waiting 22 days, XXXX XXXX XXXX sent me a check for the repairs of my home, for {$8100.00} which I received on XX/XX/XXXX. After being in constant touch with Pennymac, since the date of the flood, I had all of my required paperwork submitted and received by PennyMac. Upon receiving the check for repairs, I called Pennymac to find out what their procedures were with regards to me mailing them the check so that it could then be sent to my contractor. Per instructions, I overnighted it along with a prepaid overnight envelope for return. 
Upon verification that Pennymac had received the check, I called to remind them that per the signed contract submitted by my contractor, he was requiring 50 % down. 
The signed contract had been submitted on XX/XX/XXXX. Pennymacs own website states that it can take UP TO 3 business days to process documents. However, upon realizing that they had missed this, on the XX/XX/XXXX, they rejected the signed contract on the XX/XX/XXXX they rejected my contractors business license. Then they decided to send his XXXX to the IRS for proof of identification. On Monday, the XX/XX/XXXX, I was told his XXXX was being held up because it did n't have his home address. This was corrected and uploaded, and today I was told that his XXXX needed to have both company and personal address. 
Let me add that my home is in forbearance and potentionally refinancing. When I informed Pennymac that from hence forth, all calls were going to be recorded by me, I was flat out told that Pennymac forbids recorded phone calls and I was then told " your home is in foreclosure, so what does it matter ''. When I informed them it was unlawful to move a home into foreclosure without informing the buyers, and to XXXX how well that worked out for XXXX XXXX, a Pennymac spokesperson called me back and assured me that there had been a mistake ; my home was not in foreclosure. In the mean time I have been without a sink, a single cabinet or floor in my kitchen and my basement remains gutted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: EQUIFAX, INC.
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:
On XXXX of this year I observed XXXX on my credit report as a inquiry. I notified Equifax and was instructed that the company ( XXXX ) would have to request to remove the inquiry. I contacted XXXX and on XXXX I received a letter ( attached ) requesting my name, address, last 4 digits of social security number, date of inquiry, and reason so Equifax can remove the inquiry. I also forwarded the letter in XXXX, via mail, and have not received and type of response back. I contacted Equifax 's dispute department and the representative stated I would have to request the inquiry to be removed from the company. I informed her I did and forward a copy of the letter too. This was done in error and just want Equifax to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a dispute letter into Equifax advising them there were alleged accounts that were showing on my credit report showing false and misleading information. All the banking institutions showing on the report are FDIC insured banks. Federal Reserve Policies and Procedures and the Generally Accepted Accounting Principles ( GAAP ) requirements imposed upon all federally-insured ( FDIC ) banks in Title 12 of the United States Code, section 1831n ( a ), prohibit them from lending their own money from their own assets, or from other depositors. So when they are claiming there is a debt that is owed to them, this is false and misleading. Equifax supposedly did a verification, but has not been able to prove the actual alleged accounts. I believe the information above proves there is no way that any of these alleged banks lent anything of value that they would 1. Have a claim too and 2. Be the creditor, because they legally can not lend their own assets or other depositors money. There are also court cases as such : The United States Supreme Court and the lower courts have long recognized that the banks can not loan credit.In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. XXXX XXXX XXXX Bank v. XXXX XXXX XXXX Bank, XXXX F XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
******NOT A DUPLICATE*********** I do not have a signed contract nor any contract with Portfolio Recovery Associates . I have never done business with this company. I am not liable for the collection from this debt from XXXX XXXX Bank. I am not responsible for any debt with Portfolio Recovery Associates. On XX/XX/XXXX I have disputed the two accounts with PRA. PRA still fails to provide VALIDATION or a CONTRACT which holds me liable for these debts. I have attached documents that are sent to me which may VERIFY where the debt originated and give info on when PRA acquired the debt however they still fail to VALIDATE that this belongs to me. No signed contract only a single credit card statement that shows the balance in question. No full history of the account showing how it originated. This debt does not belong to me. Portfolio recovery also has now said that they refuse to process any disputes regarding these accounts which seems to be a violation. As a consumer I have the right to dispute accounts which I believe are fraudulent especially when it has not been proven to belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Experian Information Solutions Inc.
State: LA
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:
In my family we have three generation ; many creditors and bureaus tend to use the wrong person. What I dont understand is how it happens so frequently. I have a XXXX XXXX credit on my credit report that doesn't belong to me. However, the credit card was open was open by the third generation. This issue was reported XX/XX/2018.

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 2018-05-16
Company: NCSPLUS INCORPORATED
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX was paid by car insurance claim in which I was in a car accident in which is to be paid by the person at fault in the accident and I had uninsured insurance as well so I don't no why XXXX XXXXXXXX XXXX has not been paid considering all my other bills have been paid by the insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2020 I paid XXXX XXXX XXXX a collections company {$170.00} for an account that had been sold to them by XXXX. I called XXXX to inform them that I had paid off the debt with XXXX XXXX XXXX, they informed me that I could call XXXX XXXX XXXX to have them contact XXXX about the {$170.00} having been paid in full. XXXX   advised me that is not something they do, but that they could send me a letter saying it was paid. I received the letter and called XXXX, who advised me that there was nothing they could do and to contact XXXX. So at this point Im being given the run around after trying to update my account with XXXX, which had been sent to collections and bought by XXXX, in which I paid in full the balance owed. And to date my information still has not been updated with 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 non-monetary relief
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
After receiving the email notice to complete my registration for the Equifax data breach to have free credit monitoring, the link opens a page that says it can not load. Upon refreshing the screen, a TrustediD screen appears that says my answers were not correct and to wait 24 hours to try again. This continues to happen as if it will always indicate answers I have not even started giving yet are incorrect, until the end of the registration period at which time I expect that I will be denied the coverage because I did not finish the verification process. Attempts to call Equifax, regardless of the time of day, receives a recording saying they are too busy and to call back. It appears to me that Equifax is not actually interesting in correcting or helping protect against identity fraud after their data breach error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020, mortgage solutions of Colorado denied my request for mortgage. The stated reason was for DTI die to debts from a non-borrowimg spouse. These debts were accrued prior to the marriage and under Texas Family Code Chapter 3 Sections 3.201 and 3.202 I the borrower am not liable for the debt. I believe it is improper and illegal under Texas state law for the lender to attempt to deny the loan under these conditions. I am demanding the loan be cleared immediately and funds issued a o the title company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
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:
Negative item is appearing on my Experion and possibly other credit report as a charge off in XX/XX/XXXX, however the bill was paid in full in XX/XX/XXXX. This item was a XXXX wireless cellular account that function as a Wi-Fi hotspot. I have been in contact with the creditor directly, they are not disputing that the bill was paid in full, and Im not disputing that the account is validly listed. The problem is that every time I contact them about this issue they update the account and report new activity on the account. The payment history on my credit report shows A charge off in XXXX, but the bill was paid in full in XX/XX/XXXX and theres been no activity on the account since. I have been denied credit, and my credit score has had a major impact from this recent wrong reporting. Everyone has been made aware of it, and from this point forward, I feel continuing to report this account incorrectly as a current charge of represents bad faith.

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 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureaus have outdated information and lots of items reporting wrong. Multiple addresses and phone numbers that I've never live at.The addresses that belong to me are XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

The only number belonging to me is XXXX The rest of the numbers are not mine. 
XXXX XXXX XXXX XXXX show delinquent history loan have been rehabilitated and being paid as agreed.. XXXX XXXX exceed 7 years. XXXX XXXX should not be showing I was forced to move out because of mold and they agreed to the terms, plus its 7 years old. 
The following accounts have been re-aged which is illegal to do so. Everyone of the accounts are 7 years past statue for reporting. 
XXXX XXXX. 
XXXX XXXX duplicates XXXX XXXX XXXX duplicates XXXX XXXX XXXX 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
Consumer complaint received 2021-06-06
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 have sent letters by US mail 3 times within the last 4 months I have been patient during the 30 days to let their investigation process go through. When I called the credit bureaus for status updates they informed me that they have never received my letters as well as sensitive documentation that was addresses to them. I asked that they put my disputes in over the phone. They advised me if I wanted to send supporting documentation to be attached to send it by mail as that is the only option available to me so I sent a copy of my ID and social security card again.I called 3 weeks later to follow up they told me they did not receive my documentation and for a 3rd time and nothing has been done about the negative accounts. I have sent several copies of my personal information to the credit bureaus and they continuously state that they do not receive letters yet advise consumers to do so.

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 2021-02-05
Company: Experian Information Solutions 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 status incorrect

Complaint:
The bureaus are showing XXXX XXXX as 90 days delinquent in XX/XX/2020 and that is not correct. I was under the Forbearance program due to the Care 's Act. 

I have attached proof

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 2018-05-15
Company: Southwest Credit Systems, L.P.
State: PA
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 reported an inaccurate information on my credit report, put on there by Southwest credit systems, L.P. they said my balance was XXXX XXXX dollars, now after my complaint they responded and also uploaded few billing statements with my name and my former address on it, this could have been made up, it also shows inaccurate break down of service they claim i had at a former address, i have been harassed with all sorts of promotions from XXXX in the past but only remember getting internet service that was paid for on time and cancelled when i moved from my old address. The billing information they uploaded is very inaccurate and i kindly ask that they provide a full contract with my signature before accepting service that they claim i owed them {$58.00} dollars. Once again i will like to see a contract and i also will like to see documentation giving Southwest credit systems lawful rights to collect any kind of money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to login into my equifax account. When u attempt to login I get the error " We are temporarily unable to complete this request. 
Please try again later. '' I have attempted changing my password. I have also called equifax help and was essentially just told to wait 24 to 48 hours and try again. Nothing works and I can no longer access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: AMERICAN HONDA FINANCE CORP
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: Investigation took more than 30 days

Complaint:
I have requested for XXXX, XXXX, and XXXX investigate accounts on my credit report, The investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: Paypal Holdings, Inc
State: NV
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:
PayPal charged my account inXX/XX/2018 and I've never done business nor had I had an account with them. I contacted them but they say they can't do anything without the card number which I reported as stolen and I no longer have access to it. I tried to give them the transaction details, dates, amounts, account number and they did nothing. They didn't even send a letter acknowledging the situation. I demand an immediate refund to my checking account or via check immediate or I'll take legal action via trial by jury. This is absolutely repulsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXXXX/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
Consumer complaint received 2020-06-04
Company: Illinois Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I paid this debt on XX/XX/20 in full and requested to receive an paid in full letter for account and theyve refused to send one. Debt is still showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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:
My wife and I had identity theft in both our names. We tried to resolve with HSBC. We received a letter that the issue was resolved but still receive statements trying to collect on debt. We have reached out to XXXX XXXX but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: EQUIFAX, 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:
On the XX/XX/XXXX, I submitted a dispute to each of the major credit reporting agencies to report me being an identity theft victim. Despite the submission of all supporting documents required by the reporting agencies and the FCRA sec 605b for victims of Identity Theft, there has been no action taken yet.

Company response to consumer: Closed with explanation