BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-06
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: Account status incorrect

Complaint:
Experian is incorrectly reporting 2 accounts on my credit report. These accounts are inaccurate. In addition, Experian is in violation of Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ). Experian is also reporting these two XXXX accounts that are CLOSED and CHARGED OFF as ACTIVE late payments. 

Lastly, the have listed that there are 3 late accounts on my report and this information is incorrect as well.

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 2017-12-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my credit report from all XXXX XXXX in XX/XX/XXXX. I noticed 2 collection accounts with Portofolo recovery associates that did not belong to me. I disputed both accounts in XXXX and received notices from Portfolio Recovery dated XX/XX/XXXX, stating that they would close and remove both accounts from my credit reports. The information was never closed nor removed from my credit reports. They are actively updating this information every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have repeatedly been trying to get resurgent and LVNV funding to stop calling my distant relatives. This has been going on since 2020. They give out information about me. After the people tell them not to contact them. They harass people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: MO
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 was looking at my credit report and seen a bunch of stuff that wasn't mines on my credit report like bills, addresses and names. I sent letters and tried calling multiple times to get the negative information deleted but had no luck. I was told to come here and submit a complaint to get help. it has been 2 months now and still no answers from XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have contacted XXXX XXXX probably close to 100 times. I have talked with so many different people, customer service, financial representatives, supervisors and I get a different story each time. There is NO consistency. I have been trying to figure out how to lower my monthly payment and/or utilize income base repayment option. They REFUSE to help with any of this. It's beyond frustrating. I have three student loans with them in additional to Federal Student Loans and I can't afford the monthly payment. Working with this company is nothing short of a nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Credit karma sent me an email that looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items form 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 2020-06-26
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2018-06-06
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with TD BANK USA/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TD BANK USA/XXXX with no successful resolution. XXXX, XXXX and XXXX   are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Concerns About Capital One Initially I should explain that I am not a resident of the United States nor have I had, to my knowledge, any dealings with Capital One. 

My concerns arise because of a succession of emails I have received from Capital One which relate to an account holder called XXXX. 

These emails appear to give me the opportunity to access XXXX account. 

On receipt of the initial emails I contacted my own bank which has confirmed that there is no apparent malevolent activity. 

I contacted Capital One on their customer service number and sent them the original emails. The response on the telephone could be best described as disinterest but the operator said that I would be contacted eventually by Capital One. Other than an acknowledgement I have no response to my emails or the original telephone call. 

On XX/XX/XXXX I received another email for XXXX offering better interest on her deposit accounts which I forwarded to Capital Ones complaints service. Again I have received no response. 

My concerns are two fold, firstly, how did Capital One obtain my email addresses and secondly, what, if any action have they taken to ensure that if XXXX is a real account holder her account has not been compromised. 

If these concerns are in any way within your remit and you would like additional information I would be happy to forward the original emails to you. 

Regards XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I recently sent letters over 45 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: National Credit Systems,Inc.
State: NC
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:
I NOTICED THAT NATIONAL CREDIT SYSTEM PUT A COLLECTION ON MY CREDIT DUE TO A BALANCE REPORTED TO THEM BY XXXX XXXX XXXX IN XXXX NORTH CAROLINA. I CONTACTED THE APARTMENT COMPLEX AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER LIVED THERE THEY QUICKLY APOLOGIZED AFTER I SHOWED MY MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THEY TOLD ME UNFORTUNATELY ONCE THE COLLECTION HAS IT THERE NOTHING MORE THEY CAN DO AND INSTRUCTED ME TO CALL NATIONAL CREDIT SYSTEMS. THE NATIONAL CREDIT SYSTEMS SAID THEY DIDNT CARE THAT I DIDNT STAY THERE SOMEONE & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL I HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER LIVED IN THOSE APARTMENTS. I ALSO WANT ALL OF MY POINT BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A WHOLE YEAR BEFORE XXXX  XXXX STAYED THE LEASE WAS SIGNED..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am XXXX XXXX I live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX I did apply for a loan # XXXX with Citibank on XX/XX/XXXX before I apply fir the loan they gave me a pre-approval letter stating they will approve XXXX anyway I did find a condo I did want to buy in XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX.with the closing day in XX/XX/XXXX the bank requested a lot of documents with I did provide they did have long time to decide to approve or denied but this took that long either they did not responded about the loan was declined until XXXX/XXXX/XXXX with the expectation that was going to be approved but was denied.that caused me to the seller get upset and try to keep the earned money which was so unfair to me after expending so much money I had to hire a lawyer just to get my money, lawyers expenses {$500.00} earnest money the seller kept {$900.00} extra expenses homeowner application {$150.00} inspection {$190.00} papers {$150.00} I want to the bank be responsible for all damages caused me plus stress and waisted my time The people who worked with me were XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Penny Mac loan # XXXX. 

I have PMI insurance that pennymac refuses to remove. I requested a review and they stated my loan to value was not sufficient. I appealed and they asked that I have a BPO inspection done. I paid {$150.00} to have that done. The agent that completed the inspection undervalued valued my house. He reported $ XXXX but comparable homes sold for over $ XXXX in recent months. The local tax assessment has it at $ XXXX. I also proved that I spent over $ XXXX in remodeling the home. 

Either the bank is intentionally refusing to look at the real numbers or they just want my money. This has been going on for over 1 year. Fortunately this hasnt put me in financial hardship just yet but if they cant fix it, I will. 

I was laid off and have been living off savings. Pennymac is either making quick decisions or discriminating against a XXXX homeowner. I dont know what it is. With all the home values jumping 20 % they are saying my house didnt budge. My house is located in one of the best school districts in the whole state of Illinois. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to the change in property tax law put into place for XXXX, thousands of homeowners paid their taxes in XXXX. I contacted Ditech initially to see if they could release the funds but they were unable to do it prior to the end of XXXX. They instructed me to pay out of my own funds and send them the verification the taxes were paid, and they would refund me the appropriate amount. I dutifully paid the taxes due and sent Ditech the verification. Weeks passed and I received refunds from my 3 other mortgage servicesr, but nothing from Ditech so I reached out again by phone and email. They promised to get back to me and never did. To date, I still have a message in their apparently worthless message center fromXX/XX/XXXX that remains unanswered. I called again and was told they would do an escrow analysis -- still no call or email. I just went on line and the brilliant conclusion by the band of roving XXXX is that my payment will not be increasing! No Kidding?! Meanwhile they still are sitting on my over-funded escrow account doing nothing. 

I just called again and after 15 minutes on hold, the call was answered and I was forwarded to an automatic survey which then hung up on me! 

It seems curious that this company with nothing but complaints continues to exist. Completely XXXX   customer service and frankly illegal activities to hold my funds in excess as they have been for the past 3 months!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt wasn't validated.inacurrate collection account reporting on my credit report. never was validated in 6 months of trying to contact the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Attached is a SAMPLE letter I receive stating the Credit Reporting Agency has " previously processed this dispute and and the credit grantor has verified its accuracy. '' HOWEVER, under FCRA requirements, the credit bureaus are required to verify the consumers accuracy of credit records they maintain. Not just process. The attached letter continues by stating " we will not re investigate the same dispute ''. How can a Credit Reporting Agency verify my records for accuracy when your client, XXXX XXXX XXXX XXXX, ignores all requests, supplies nothing, and labels all requests and complaints as duplicates? Moreover, XXXX XXXX and the Credit Reporting Agencies rely upon an incomplete and undated application ( that even states at the top is not to be processed ) as FCRA Permissible Permission to steal my private information? AND then a forged and fraudulent loan is allowed for thieves to steal two cars in my name. A high school child can understand this but three so called professional companies can not.

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 2021-04-12
Company: Collection Associates, Ltd.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company : Collections Associates, XXXX Original lender : XXXX XXXX XXXX keeps reporting an account that has been paid off. They did not send me any proof that account belongs to me and that is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received following set of emails from Wells Fargo : We Have Received Your Application Dear XXXX XXXX, Thank you for choosing Wells Fargo for your financial needs. 

We're writing to let you know we received your application for a Wells Fargo Everyday Checking account on XX/XX/2022. 

Please see below for further details and important next steps for your account ( s ). 

Wells Fargo Everyday Checking Application Reference Number : XXXX Status : Your application has been approved. 

Next Steps : Make your opening deposit by using the Wells Fargo Mobile app, by transferring from another bank account, or in person at an ATM or branch. 
Set up Direct Deposit. Have your paycheck or regular income deposited automatically into your Wells Fargo checking account it's convenient, fast, and safe. 
View your submitted application, disclosures, and account documents up to 90 days from when the account was opened. ( You will need your access code or your username and password. ) Thank you again for applying for your Wells Fargo Everyday Checking account at wellsfargo.com. Please keep this email for your records. 

Sincerely, Wells Fargo Online Customer Service Wells Fargo Bank , N.A . Member FDIC. 

Please note : Do not reply to this message directly. You can call XXXX with banking questions or XXXX for technical assistance.

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 2018-03-13
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:
I submitted a dispute to transunion concerning two tax liens that are still reporting that has been paid since ... XX/XX/XXXX for XXXX released XXXX County Superior court XX/XX/XXXX for XXXX released XXXX County Superior court letter received from Transunion XX/XX/XXXX indicates that the investigation was complete & information verified as accurate. My understanding is that it will remain on my credit report for 7 years from the filing date XX/XX/XXXX. I would like to have this dispute looked into as I have worked very hard to rebuilt my credit as well I have been very patient!

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 2021-03-30
Company: AmeriCollect
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HIPAA Violations, please review documents. Please Not this is my second HIPAA violations dispute to Americollect.

Americollect did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Experian Information Solutions Inc.
State: MD
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:
Hard inquires ran without consent

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 2018-10-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
No entity may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY of truth, accuracy, completeness and compliance to XXXX XXXX so prove now or delete the accounts mentioned : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: U.S. BANCORP
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
We got {$16.00} worth of dormancy fees taken off a {$25.00} card. It seems exorbitant.

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 2021-03-30
Company: Coinbase, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
XXXX # XXXX On XX/XX/XXXX I tried to transfer my holding in XXXX XXXX to my hardware wallet. XX/XX/XXXX initiated official complaint XXXX # XXXX. XXXX closed my case in XX/XX/XXXX. Posted to XXXX XX/XX/XXXX, XXXX responded XX/XX/XXXX still no resolution. 

Need to transfer XXXX from XXXX to my hardware wallet. Address is whitelisted and I can transfer from Coinbase Pro to hardware wallet but CAN NOT transfer from Coinbase wallet. I have provided screen shots and do not know how to make it more clear for them to resolve. XXXX months is more than reasonable amount of time to resolve this issue. Can not speak to anyone just email back and forth with a bot or other unintelligent support mechanisms.

Company response to consumer: Closed with monetary relief