BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$7000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX : {$190.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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
Consumer complaint received 2021-09-21
Company: EQUIFAX, 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:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account XXXX  XXXX Account # XXXX. Because accounts that are incorrectly reported by your company and Equifax are different, this means the account has not been properly verified. Please delete this account immediately This account was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account showing a delinquent or past due at some point I called XXXX and told them that I never received a billing statement for that month I have never been late on payments they told me not a problem don't worry your ok if you make the payment today which I did at the time it happened come to find out this has been a hard hit on my credit score for months almost a year.

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 2021-09-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I contacted PennyMac ( my mortgage servicer ) to inquire about when my private mortgage insurance ( PMI ) would be AUTOMATICALLY cancelled. I was routed to a Senior Mortgage Specialist who asserted that my PMI would NEVER be automatically cancelled, no matter how long I waited or how many payments I made. If this is true, then PennyMac is in violation of the Homeowners Protection Act. 

During the call, I located my original mortgage paperwork, which specified that the automatic termination date is XX/XX/2021, when my principal balance was originally scheduled to reach 78 % of the property value ( it's actually already reached this threshold, but I understand that doesn't trigger PMI cancellation ). If what the PennyMac representative asserted is true, this also means that they are engaging in unfair and deceptive practices by not honoring the terms of the loan I signed up for. 

The PennyMac representative was extremely rude and condescending. She kept reiterating that I needed to pay for a brokers ' price opinion ( BPO ) to verify the value of my home, which is only true if I want to request cancellation of my PMI BEFORE the scheduled date of automatic cancellation. Despite my attempts to explain to her that I was not asking about cancelling my PMI now or requesting early termination, I only wanted to validate the date of automatic cancellation, she insisted that I was not eligible for automatic cancellation at any point over the life of the loan. She said that " every loan is different, '' and some loans are eligible for automatic termination while others are not. This is generally false, as only a small percentage of loans are not eligible for automatic PMI termination ( FHA loans, those at a high risk of default ) and, when that applies, it is disclosed UP FRONT when the buyer is signing the mortgage. 

The PennyMac representative declined my multiple requests to speak to someone else at the company, because she said they would tell me the same thing as her. Additionally, when I explained that I had spoken with PennyMac representatives several times in the past about automatic termination of PMI, she asserted that this was untrue. I told her that, based on the interaction with her, I plan to refinance and take my business elsewhere. Her response was that PennyMac would probably just " buy your loan back and you'd be back with us anyway. '' These threats and accusations of lying amount to abusive acts on behalf of PennyMac. This representative 's treatment of a customer in good standing is absolutely appalling and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
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: Old information reappears or never goes away

Complaint:
Old information reappearing

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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

TRANSUNION, CREDIT REPORTING AGENCY, ARE BREAKING THE LAW AND ARE COMMITTING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 168la ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

TRANSUNION is also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. Per 15 USC 168c ( a ) Bankruptcy information is Excluded from the consumer 's report. 

TRANSUNION, CREDIT REPORTING AGENCY and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately

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 2021-09-21
Company: CNG FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received a text message. It said " Attention ( My name ) We recently notified you by mail that a lawsuit was to be filed against you regarding your past due account with Check N Go. A case management conference was recently held due to the impact of covid 19. As a result, we are extending you the option to settle your unpaid balance of {$490.00}, out of court for a onetime payment of {$240.00}. This payment will close ( dismiss ) the case against you and your account will be paid in full with a XXXX balance. This payment must be made no later then Monday XX/XX/XXXX. The payment can be made by calling XXXX or online at ( website ) File number # # # # # # #. '' Although there was no company name I did research the number and it came back to the XXXX XXXX XXXX. 

I have disputed this alleged debt in pervious years because it is not mine and other collection agencies have used this same tactic and even broken some of the laws set out by the FTC and the CFPB. This is not my debt yet, when I file a complaint they continue to sell to the next collection agency. I have been told by Check N Go that this debt was from XXXX and the total amount due is {$390.00}. I have never accepted responsibility for this debt. I believe this is past the statue of limitations and they are illegally trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It XXXX Concern : Re : Wells Fargo refund checks for Mortgage rate lock extension fees refund. 
My XXXX and I received a letter from Wells Fargo stating that refund checks were coming to us on XX/XX/2020. The checks were for {$3200.00} and another for {$250.00}. The checks came but have been impossible to cash because the checks were made out to both my XXXX and I ; we no longer hold bank accounts in both names. We both have tried to contact Wells Fargo and asked the checks be reissued differently to no avail for the last 2 years. We are either told " too bad '' or the latest " it will take another year to investigate '' while there is nothing to investigate. They owe us this money and have been met with stumbling block everywhere we turned in that company, as they have no intention to refund us that money. 
I believe the refunds had to do with a lawsuit mortgage redress were Wells Fargo was obligated by law to refund customers who were overcharged. 
Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
2015 identity theft. Someone tried to add money to my account. I reported my card stollen and nothing more was done other then the account being closed. Now i cant open a bank account with anyone.

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 2019-11-10
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
RE : Social Security Number : XXXX / Experian Report # XXXX To Whom It May Concern, In XX/XX/2018 I disputed an account report by XXXX/XXXX Account # XXXX in the file maintained by Experian under my Social Security number. 

I was informed in XX/XX/2018 that the item was deleted from my credit report after I disputed it. 

Now I have discovered that the item has been reinserted on my credit report by XXXX XXXX XXXX under account # XXXX referencing XXXX XXXX. 

I am aware in accordance with the requirements of the FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), they are to notify me of the reinsertion in writing within 5 business days, however this is being inserted over a year later. I understand the requirements that this be reported to the consumer within 5 days but subparagraph ( A ) states if authorized but the consumer for that purpose, by any other means available to the agency. 

This account was throughly investigate and proven to be opened via fraudulent activity and XXXX/XXXX  was given ample time to respond to the evidence submitted to them. 
Experian deleted this erroneous account - which was also reported previously to the Consumer Financial Protection Bureau. 
FDCPA section 807 ( 8 ) and FCRA section Section 623 ( a ) ( 3 ).  Makes clear that these agencies and debtor have 30 Days to respond to my dispute - not a year and 30 days, I disputed and had this account removed over a year ago after being proven inaccurate, unverifiable, not mine, and incomplete. 

The reinsertion of a legally disputed and deleted item under a debt collectors company on behalf of the same creditor is completely illegal and I hereby demand that it immediately be re-deleted from my credit report. It is a blatant violation of the FCRA & FDCPA I am reopening and submitting my compliant separately the Attorney Generals Office, and the XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MA 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 2020-09-15
Company: Credit Karma, LLC
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, Beginning XX/XX/2020, I received an email from Credit Karma, notifying me that the password to my account had been changed. I visited their website to verify, and surely enough, someone had changed my password. 

I figured this may be due to me using a password that'd been recently compromised somewhere else, so I went through the account recovery procedure, received the verification email ) * ) to verify that I, the account owner, am requesting the password change ; clicked the link, and changed my password to a newly generated alphanumeric string, unused anywhere else. This should have been the end of the story. 

About an hour later, I received yet another email, telling me that my account password had been changed. Frustrated, I checked my server logs to verify that only I had access to my email inbox, which turned to be true - so nobody was requesting the change, logging into my inbox, and deleting the verification email. 

I changed my password a second time, to yet another freshly generated alphanumeric string, this time using a different device - perhaps my workstation had been compromised? No! The next morning, I had more password change notification emails in my inbox. I yet again went through the steps and changed my password, which was YET AGAIN changed, thirty minutes later. 

This prompted me to reply to Credit Karma 's " contact us '' email address, which bounced back, and referred me to a different email address to use. I followed the directions, and submitted the complaint. They responded in a very dismissive manner, and when I followed up, telling them it had happened YET AGAIN, they 'escalated ' the issue. This was on XX/XX/2020. I have not heard back from them. 

With the amount of personally identifying information that Credit Karma has access to, for this to happen and be essentially swept under the rug is a blunder of ineptitude. What are my available courses of action at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I tryed for over a year to get them to talk to me they said they NEVER got the paper work, ( here are a FEW dates i sent and how ) fax XX/XX/XXXX, emailXX/XX/XXXX, email XXXX usps cert XX/XX/XXXX. I was quitclaim the property on XX/XX/XXXX but sent power of Att. before that they for closed, sent to auction ( Did Not Sale ) i kept saying i wonted a short sale. Now it is XXXX i will be thrown off the property in 20-30 days ( i will go to jail so i can be herd by a Judge as i was never served and i will have ALL the news media there ) XXXX told me they will try to clean it up and sell it fast ( LOW ) as i know the home is TRASHED, Celink also charges for stuff they do not do. They lie and play games to take your Home-Land this type of loan is one of the biggest SCAM on seniors and the GOV. needs to shut them down

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In early XXXX, I opened a personal checking account online successfully. I received an account number, I made my initial deposit to fund the account, set up online banking, and even made 1 direct deposit into the account. All this happened successfully within the first couple days of opening the account. Then all of the sudden my online banking went frozen. I called customer service and they said I needed to go to a branch to see what happened. I talked to banker, XXXX XXXX, upon arrival. He was more than willing to help me at first. XXXX needed to ask the branch manager, XXXX XXXX, a question about my account so he got up and left the desk. When XXXX came back all he said was that my account is closed. I kept on asking questions like why and for what but he would not tell me any other information. Meanwhile I see XXXX leaving the bank so I couldn't ask him anything. I was not given any kind of an explanation what so ever as to why Iberia closed my account. I believe Iberia denied me because of some report they pulled but they didn't mention anything to me about it. This is wrong as Iberia probably used a report against me but did not cite the report. And also, why let me go all the way to opening and funding an account if Iberia didn't verify something?

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 2023-04-14
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 
Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have owed a total of {$270.00} for a loan to the company Moneylion but I have an investment account with the company with the amount of about {$390.00}. 

The company Moneylion never paid/refund me the remaining of my investment totaling in the amount of {$110.00} - {$110.00}. 

On XX/XX/2019, I have written the XXXX that the company was reporting inaccurate things on my credit report. I did not follow up because I was waiting to see if anything change so I can have more evidence on the company. 

On XX/XX/2019, I have spoken with a representative about the account and he explained that if I didn't pay the remaining of the loan it will be deducted out of my investments which that is what I wanted anyway because I started to get the feeling that this company was a scam and I have seen many complaints that the company doesn't like to pay the investment. I was told that if I made a payment today I could withdraw my investments and it would take about 3 business days to receive the funds. But, I ask what if I didn't pay the remained since my investment has a higher balance than the amount owed on the loan. He replied I would be deducted from my investment and that would take a little time and the remaining would be sent to my bank account on file. 

I explained to the representative that I no longer trust Moneylion with bank account because they have tried to collect more than the money account and constantly sending multiple checks with different amounts to my bank account. I have not authorized Moneylion to  deduct any money from my bank account and they still sent a check to my account. 

Moneylion was only supposed to be sending me the remaining amount left after deducting the loan amount of {$270.00}. 

On XX/XX/2019, the company wired {$380.00} from my account. Yes, I was informed that my account was going to be LIQUIDATED due the email received on XX/XX/2019, saying NOTICE OF LIQUIDATION AND SURPLUS OR DEFICIENCY but I was not refunded the remaining of my balance anywhere between {$110.00} - {$110.00} as promised buy the representative I have spoken with back on XX/XX/2019. 

As of today XX/XX/2019, the loan is showing paid. My investments are withdrawn and nothing was returned. The balance in my investment is {$1.00}. My credit report is not updated with accurate information. 

This company has done too much to me and the misuse of my bank account and trust.

Company response to consumer: Closed with monetary relief