BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-14
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Disputed information on XX/XX/XXXX 72 hours later I received results of XXXX 's XXXX being final.Disputed again on XX/XX/XXXX 72 hours later I receive the same email. The person I spoke with placed a new dispute. I told him that I have proof account was paid. I have a letter from XXXX 's XXXX stating that account was paid in full. He stated to go to www.experian.com/upload. I did upload information and received a note it had been accepted. I received another email on XX/XX/XXXX stating dispute was closed again. However I uploaded the document XX/XX/XXXX. So did they even do a investigation. I called XX/XX/XXXX. I spoke with a lady at XXXX XXXX who confirmed I had they did receive upload. On XX/XX/XXXX I woke up to another email stating it was final. I called them back again today. The person was very rude. He didn't want to hear what I had to say. He then said he didn't receive a upload. I explained to him about the call on XX/XX/XXXX. Also I have multiple lines of credit now. I have paid faithfully and my credit score is not being updated. I feel as though I'm lost and no one will help me. I have been on top of things. Then to try to explain to someone what is going on and they talk over you and say so what. I paid bill to clean up my credit and have to go through this. They will not help.

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 2018-07-31
Company: Everest Receivable Services Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There are too many dates to document however here are a few XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/XXXX, on and on. In addition they have called my ex-husband, my daughter, one of my sons and a sister. I have repeatedly asked them to tell me who they are, who the collector is, and asked them not to call me and my family. They refuse to divulge any information until an address is verified and they get the last 4 numbers of my SS number. I am not comfortable with this due to having my identity " stolen '' through health insurance company, XXXX breach and IRS breach. 
I decided to finally give the info and attempt to work out an agreement. It was a male caller with a XXXX name that I unfortunately did not write down. I gave him a bit of push back regarding my SS # but then gave it. He spoke so fast I could barely follow his script. He was aggressive and harassing in his manner and statements. Repeatedly saying " this is a breach of contract '' I told him I fully understood what this was and he had made the statement 6x and to please stop because it was completely unnecessary and harassing. I asked him if I could just set up a payment arrangement or did he have to send me paperwork. He again spoke so fast I could not follow and again began with harassing statements. I told him I was about to hang up and I didn't want to speak to him. He told me to hold on and he would get a supervisor on the line. I held on for several minutes and he kept coming back saying hold on. I told him I was about to hang up. He again started with his script and I hung up. I called back to get the company name and address and was hung up and disconnected. It took two additional calls to get the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried on several occasions to have a dispute submitted in regards to being a victim of Identity theft. However, Experian has constantly been non responsive to my efforts which is a direct violation of the fair credit reporting act, sect. 605b. I have been gravely displaced by this non action.

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 2018-03-11
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : Complaint # XXXX ; Received an email from CFPB, stating that PNC Mortgage is still working on my complaint on XX/XX/XXXX. ( SEE ATTACHED ). 

On XX/XX/XXXX, I receive a letter by mail from PNC Mortgage date XX/XX/XXXX ; stating that no further action to my complaint is required. ( SEE ATTACHED ). 

CFPB is saying one thing and PNC is stating something totally different. 
As I have stated in the past, PNC Mortgage does whatever they want to. This company marches to their own drummer and XXXX the laws and the people that they are supposedly working for. PNC transferred my account because I refused to let them XXXX me! 

SOMEONE NEEDS TO KEEP A WATCHFUL EYE ON PNC MORTGAGE!! WHERE IS MY {$510.00} MONEY ; OR DID YOU TAKE IT ALONG WITH MY INSURANCE REIMBURSEMENT OF ALMONT {$1400.00} FROM SEVEN YEARS AGO?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I was searching case search and came across an open case for me from CAPITAL ONE BANK. I read the notes in the case stating that I was served on XXXX/2018 at an address that is vacant. No one is living in that house therefore no one could have signed for any mail delivered to that address. I had no clue about the open case until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: EQUIFAX, INC.
State: PA
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 DISPUTED THE ACCOUNT PAID ACCOUNT WITH PUBLIC SERVICE OF NORTH CAROLINA WITH EQUIFAX HOWEVER EQUIFAX HAS FAILED TO VALIDATE THE INFORMATION AFTER NUMEROUS ATTEMPTS OF REQUEST. 

XXXX IS REPORTING ON MY EQUIFAX CREDIT REPORT THAT THIS ACCOUNT WAS CHARGED OFF AS RESENT AS OF XX/XX/XXXX WHICH IS A COMPLETED LIE. THIS ACCOUNT WAS PAID IN FULL ON XX/XX/XXXX IN THE AMOUNT OF {$30.00}. THERE IS NO WAY THAT IT SHOULD BE REPORTING AS A CHARGE OFF IN XX/XX/XXXX OR ANYTIME BETWEEN XX/XX/XXXX TO XX/XX/XXXX. THIS IS UNFAIR TO ME AS A CONSUMER. I TOOK CARE OF THIS MINOR DEBT HOWEVER XXXX AND EQUIFAX ARE NOT FOLLOWING THE LAWS THAT GOVERN THEM BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THIS IS NOT FAIR AND HAS CAUSED ADDITIONAL DAMAGE TO MY CREDIT MAKING MY CREDIT REPORT LOOK LESS THAN CREDITWORTHY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had a dispute open with Portfolio Recovery Associates regarding a XXXX XXXX Account. I wanted to know the validity of the debt b/c I had never entered an agreement with them, and was told that I owed this amount and it was due immediately. This dispute originated in early XX/XX/XXXX Over the next several months, I sent a total of three certified letters asking in different ways to provide me statements of this account so that I can see the accuracy of the amounts. Finally after waiting several months, I received a one page letter indicating the amount owed. I still have yet to receive any statements, but did receive a letter stating my dispute was closed, and now charged off. 
In my original dispute, I also asked not to be contacted by phone. They began calling a month into the dispute. I find it to be very distracting to my work, and personal life, and I would prefer a different method of contact. Over the past month (XX/XX/XXXX ) I have received numerous phone calls from Portfolio Recovery daily. They have completely disregarded simple requests, and made it very diificult to continue working with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: NY
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 so despairing. What is happening with you ( CFPB ) and the bureau ( EQUIFAX )? FYI, I have submitted this complaint 4 times already & you still claiming it's being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm sick and tired of this! The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX XXXX & XXXX ( Original XXXX : XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our current servicer ( 1of 6 servicers dating back to XX/XX/XXXX ) is SPS. Our mortgage originator was XXXX  XXXX XXXX XXXX ( who has been out of the mortgage industry since XX/XX/XXXX ), on XX/XX/XXXX, of whom 3 months after our closing bundled, pooled and sold our mortgage to unnamed investors, with XXXX XXXX XXXX as Trustee. XXXX was the XXXX XXXX of XXXX  XXXX. Their attempt to securitize these mortgages in the pool " failed '' they were not securitized properly. After over 50 attempts of submitting completed loan modification applications dating back to XX/XX/XXXX to all 6 of the servicers who took over our loan, it begs the question, will this complaint to CFPB make a difference? Do each and every servicer have a compiled view into the history of hardship that we have endured and that we have brought to the surface. Our struggles, pains, vulnerabilities, fears and the reality in which live every single day dating back to XX/XX/XXXX I can only have hope that this letter of hardship will make the difference as despite everything we have been through I still believe in human decency and the housing system. Simply put ; We have raised our daughter from a small girl into an aspiring XXXX XXXX in our beloved home. We have raised our son from a young boy into a United States XXXX in our beloved home. On XX/XX/XXXX, Our Son, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, lost his life serving our country. We have cared for an aging parent with a XXXX XXXX of XXXX in our beloved home which impacted our ability for one of us to continue XXXX due to the growing medical needs of an ailing parent, yet we endured. We have had countless family gatherings and holidays full of joy, in addition to gatherings of sadness not knowing if it would be the last time we would be together in our home, our beloved home. The stress on our marriage due financial troubles and repeated mortgage modification denials, yet we continue to stay strong together hand in hand and gainfully employed. We endure. All the while of submitting over 50 applications for Mortgage Assistance across many mortgage servicers and the associated stress and angst of repeated mortgage denials by the loan owner/investor, yet we endure. Our mortgage has been passed along to a new servicers nearly every ( 2 ) years. Where we continuously on board new servicers to the actual history of our mortgage, tell our story, at the encouragement of each servicer, hanging on their every word, we continue to apply for Mortgage Assistance and we wait. Will this attempt make the difference, or will it result in another denial indicating that investor or loan owner does not authorize loan modifications. Please accept this appeal for a loan modification and request for outreach to the investors or loan owners for permission to modify our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I was on my break at work. I looked my email and saw that I was being notified about a XXXX item I purchased and the email had the XXXX logo. I reacted and callled the XXXX number on the Email. I said that I was reading I was being billed approx. {$1600.00}. I called the XXXX number in the email and spoke to a man who said he could help I explained that I had not charged anything and that charge was not me. He said that he could help, and if I could download an app. to add the number XXXX, he instucted also me to enter XXXX and that security would to located the problem and the money for the computer hardware or something like that, would be returned to my XXXX account. During this conversation Detective XXXX XXXX from XXXX PD and whom I work with over heard the conversation and said to hang up its a scam. He also, took the phone to ask questions and to figure out where the call may really be coming then hung up the telephone. I called XXXX and they said the had no record of anything be purchaged on my account. That's when I realized I had been scammed. I immeditately went called the bank and then went to the Branch to close my existing card and was given a temporary card. After that I kept looking at my account and say that {$490.00} was being processed and called and ask them to stop the transfer, and was told they could not. I asked to be covered as in the past when I lost my card or when it was stolen from my purse and used at XXXX. I asked if I needed sign and affivdavit, and was told the bank no longer uses affividavit or signatures. 

I waited until the day I was supposed to be refunded back to my account and called. At which time I was informed I was not getting my money because I signed an E signature which means I was a part of the scam. I explainded I work with the XXXX PD. XXXX  XXXX XXXX walked in when and heard my conversation told me to hang up it's a scam. 
I also spoke to 2 different supervisors at Peoples United Bank who both said the decision was final because I E signed. I told them the man told me to enter XXXX and I did not connect that with a signature and I was not giving permission to just give my earnings away. I was under duress becasue realized I had been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit reporting agencies have different varieties of name thats not myn, bills that have been paid off by insurance providers are being listed as collections. Social security number was leaked during s security breach. Account inquiries are not myn posted as myn. XXXX   refuses to give a copy of credit report even though its been verified as myself hence unable to determine how much breach has effected my credit score. Even though you disputed thing that are not your XXXX still report as yours and wont allow you to change it. Even after notification that you were effect because of security breach.

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 2020-08-31
Company: BMW Financial Services NA, LLC
State: MA
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:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite the written appeals I sent, any kind of response was taken for granted. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : TRANSUNION : XXXX XXXX XX/XX/XXXX {$90.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX XX/XX/XXXX {$0.00} XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NY 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 2021-08-23
Company: Convergent Resources, 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 do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.

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 2018-02-05
Company: EQUIFAX, INC.
State: NY
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 multiple creditors reporting inaccurate information on my credit report. I have disputed these inaccuracies with the credit bureaus for almost a year since I began in XX/XX/XXXX. The credit bureaus have eliminated some inaccuracies, but there are over 5 creditors on my report in collections and reporting accounts. These creditors have been discharged through bankruptcy court and some are just not mine. The bankruptcy has been removed from my credit report, but some creditors still remain even though they have not submitted any new information to the bureaus since XX/XX/XXXX. This information is hurting my score thus preventing me to get approved for a mortgage which is crucial at this point. I have contacted the creditors and they have stated that they removed it from their files, but the credit bureaus have to do it also on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
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: Personal information incorrect

Complaint:
After a court ordered legal name change, Equifax refuses to update the account without proper documentation which is understandable. Even though this violates laws about collection of such information by having legal documents and photo copies of both driver 's license and social security card combined, they mandate it be sent through the US Postal Service. This method has now subjected me to identity theft as the documents that were sent are 'lost in the mail ' and Equifax is demanding that I resend copies, which again threatens the security of my private information. Meanwhile, my entire livelihood is on hold as I can not complete any transaction that is dependent upon a credit report from Equifax. My legal name is not in their system and therefore, I can not rent a home, purchase a home, trade in my vehicle, NOTHING. I am required to move to another state for employment and have not been able to for months because Equifax is uncooperative in finding a solution that does not demand my PII to be released to the public. In the digital age, they refuse to allow digital documents to be sent that would limit the exposure to theft. 
How can an agency have total control over an American Citizens entire livelihood like this and demand that personally identifiable information be combined and sent through USPS? Privacy Act of 1974 and other federal laws that govern PII include the " collection '' of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: IN
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:
My daughter applied for a XXXX Credit card from XXXX Bank. She went to their site to see if she would prequalify for a card without any impact to her credit bureau score. The pre-qualify said she didn't qualify so she used me as a co-signer, again using the prequalify on-line application. We were both denied, end of story. Unfortunately XXXX Bank reported the denied application to all 3 credit bureaus as a declined loan, thus lowering my score between 3-9 points. This was supposed to be a prequalify, not an actual application.

Company response to consumer: Closed with explanation