BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-11
Company: PRIMARY RESIDENTIAL MORTGAGE
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Late last year I submitted a complaint regarding primary residential mortgage company. I had made an arrangement to pay my mortgage current. Before this day even arrived they had mailed a letter to me regarding my mortgage being in default. They sent also sent someone to my home to hand deliver a letter with the same information. This man who delivered the letter, then stood in my drive way taking pictures of my home. My children were home and upset that this person was on our property taking pictures. I submitted a complaint regarding this matter and the mortgage company answered stating that they were justified. This in my opinion is harassment. This is my home. This is embarrassing and on the mortgage company 's part, very unprofessional. I may have had issues meeting my payment but my family and I still deserve privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is inaccurate information on my consumer report. I have identified the specific information ( please see attachment ).

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 2023-02-28
Company: Experian Information Solutions Inc.
State: IL
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 reached out to Experian about inaccurate information that they are reporting on my credit file. They explained that the information was verified, but has no proof of verification. None of their information matches my other reports and I also explained that to them.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the items I have disputed have not been deleted per the Fair Credit Reporting Act for XXXX XXXX XXXX  I have had success with XXXX, but both Transunion and XXXX are receiving my disputes and updating them as accurate even though I have furnished the court documentation from my attorney proving that these items occurred while under duress. XXXX has no human being that you can speak with and the phone lines are a continuum of being rerouted to offices that never answer. Transunion has a dispute center on their website which does not work. After calling Transunion, I was told to put my personal information ( picture of my ID and my Social Security Cards AND documentation of my sealed Human Trafficking record in the US MAIL and send it to a po box and wait for them to contact me ). This response was damaging to my spirit and I feel victimized all over again. I have fought to regain my life, seal criminal and court records because of the abuse, coercion and fraud that I faced as a victim of human trafficking. The thought of having my personal information exposed just to clear these items from my credit report is re-traumatizing. XXXX has removed the Public Record of the Bankruptcy I was forced into by my abuser and the student loans I was forced to take by my abusers. I can not get the other bureaus ( Transunion and XXXX ) to comply. The Rule requires consumer reporting agencies to tailor these requirements to the needs of victims of trafficking, by using, for example, confirmation questions a victim of trafficking could easily answer to prove their identity and other non-documentary means.

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 2024-01-08
Company: Axiom Acquisition Ventures, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Company taped incorrect financial information and warrant on a house that I do not live, in a state that I do not live in exposing my personal information to random people. This information was screenshot and sent to someone else, who then sent to me. Was not properly served, did not provide validation of debt, and have never done business with this company. In addition to not properly serve, it is in the incorrect jurisdiction, XXXX  hours away from where I live.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
spoke to wells fargo. last payment was not 30 days late. on credit report shows 30 day late.

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 2021-06-23
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: PENTAGON FEDERAL CREDIT UNION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
THIS  COMPLAINT  IS  TO  PUT  THE  CFPB  ON  NOTICE  OF  MY  BILLING  ERROR  NOTICE  TO  PENFED  IN  WHICH  THEY  FAILED  TO  RESPOND TO   ACCRODINGLY  AS  STATED  IN  THE  LAW  FOR  RECORD  PURPOSES---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------PENFED  YOU  HAVE  BEEN  PUT  ON NNOTICE  UNDER  A  BILLING  ERROR  ON  MY  CREDIT  ACCOUNT  WITH  SPECIFIC  LAWS  THAT  GOVERN  YOUR  OBLIGATION  TO  PERFORM.  YOU  HAVE  RESPONDED  WITH  A  VERY  CONFUSING  AND  ERRONIOUS  LETTER  THAT  I  KNOW  NOT  THE  PURPOSE  FOR.  PLEASE  EXPLAIN  WHAT  THE  LETTER  IS  ABOUT.-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------NOTICE  YOU  HAVE  RECEIEVED  THE  NOTICE  AND  ARE  FULLY  AWARE  OF  THAT  LAWS  THAT  WERE  STATED  IN  THE  NOTICE. YOU  SHALL  RESPOND  PROPERLY  TO  THE  NOTICE  WITHIN  30  DAYS  OR  RISK  FORFETURE  OF  COLLECTING  ANY  AMOUNT  UNDER 15 USC 1666(e)------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------IF  THE  PERSON  ADDRESSING  THIS  COMPLAINT  HAS  NO  KNOWLEDGE  OF  THE  LAW  PLEASE  FORWARD  THE  COMPLAINT  TO  SOMEONE  WHO  DOES  BECAUSE  IGNORANCE  OF  THE  LAW  IS  NO  EXCUSE  TO  VIOLATE  IT  AND  CAN  RESULT  IN  MATTERS  ESCALTING.--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------PLEASE  ADDRESS  THIS  MATTER  PROPERLY  WITH  NO  BOGEZ  LETTERS  NOR  MINIMUL  EFFORT.  THANK  YOU  KINDLY.

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 2022-02-28
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The issue I am having is with Chrysler Capital. 
I filed for bankruptcy XX/XX/XXXX. I started having issues with my car in XX/XX/XXXX. I went to XXXX XXXX XXXX in XXXX IL to look at a new car. I remember at one point, before going into the finance room, wanting to leave. I felt very pressured but I went though with the loan anyway.

I financed {$29000.00} at 16.29 % interest. I have struggled to pay this loan. I have had to ask for 9 extensions through the course of the last 82 months. I have paid {$26000.00} in interest. I still owe {$12000.00} on the loan. I have paid {$47000.00} on the loan so far. I believe this qualifies as predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Just like other negative records, XXXX XXXX XXXX should be scheduled to be automatically removed, or purged, from our credit reports after a specific time-period. 
Furthermore, for a XXXX XXXX XXXX case, the time frame is seven years after you file for bankruptcy. That means you can expect the record to be removed from your credit reports at the seven-year mark without any effort on your part. My bankruptcy was actually dismissed on XXXX XXXX XXXX 
Ive already challenged this with XXXX and, thankfully they recently removed this item. 
Please delete this item ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you in advance for your assistance with this matter.

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 2023-02-02
Company: EQUIFAX, INC.
State: IN
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:
Equifax credit bureau is the only credit bureau that is incorrectly reporting my XXXX XXXX business credit card. XXXX has admitted they did not apply my payment on XX/XX/22 and thus caused my account to be XXXX XXXX late. Once I showed them proof, they corrected this error. Equifax however continues to report misinformation showing the XXXX account is still late. Equifax is clearly not reporting the proper payment history from XXXXXXXX XXXX. I have documents showing indeed I paid this account on time and have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had an identity theft in XX/XX/XXXX, including theft of my Bank of America Credit card. The fraudsters changed my account address, email and phone number. I reported it to the police but the police have made no progress on investigating this. 

Then, they made about {$5000.00} in additional charges. I have called and talked to Bank of America repeatedly, talked to multiple departments, escalated the issue to get this addressed to no avail : They have XXXX  up time and again including : - They cancelled my account that was previously in good standing since XXXX - They sent a new card to the fraudsters address even though I told them to send it to me. The fraudsters went wild with the new card and charged up several thousand dollars - BofA are a complete run around to deal with and transfer you all over the place. XXXX has a much better process and system and resolved issues in a about a week. 
- I went into the local branch to take of this and the branch said it wasn't their problem and they couldn't help me - XXXX? - the Retail silo and the credit card silo at BofA dont like each other, don't talk to each other and completely XXXX up when it comes to resolving issues for consumers. 
- I couldn't get online access to see my accounts and what was happening. I still don't have this. I finally am getting paper copies sent to my right adddress. 
- I had enrolled in paperless banking, so I had no access at all to my account, couldn't see the fraudulent transactions and wasn't getting bills - BofA originally reversed the fraudulent charges and then put them back on my bill - over $ XXXX - The fraudsters opened a BofA bank account with the fraudulent address even though I reported that this address is fraudulent - My credit has been damaged and BofA refuses to change any of their reporting to the credit agency - The fraudsters keep trying to open BofA cards in my and my kids names. The credit is denied and my credit score continues to tank. 
- You know why the fraudsters keep trying to open fraudulent accounts at BofA and not other institutions that I bank with? Because they know how bad BofA is at detecting fraud and works their silos against them. 

I'm totally fed up and I'm going to sue these XXXX after I send letters to the editors.

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 2018-02-12
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2017. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, sent an old debt of my to XXXX XXXX XXXX XXXX XXXX Attorneys at Law, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX. The debt that is currently being garnished from my paycheck, is a 10 year old debt. I just received another notice in the mail for another XXXX XXXX XXXX bill stating that I also need to make payments. The business is outsourced in XXXX they customer service representatives keep harassing for payments on multiple accounts. When I ask for all of the accounts for bills I owe the person states that it is under other indvidials ; although they share the same office. My old information is being passed around to multiple people and they have my old address in their system. The representatives at times are rude and pressure me to make payments on the spot. I think this is illegal and I refuse to pay on old debt from 16 years ago ; its against the law in New York State.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My rights have been violated I did not give written instructions for these accounts to be place on my credit report REMOVE IMMEDIATELY THIS IS A Violation ALSO. THESE ACCOUNTS ARE Reporting on my credit inaccurate information on my Credit report 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-04-25
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:
Formerly, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : 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 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 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 2023-03-03
Company: CITIBANK, N.A.
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:
Citi Card Being reporting with the incorrect limit Not {$8600.00}. 
Correct limit is {$10000.00}

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 2022-02-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent a certified letter to Transunion to remove erroneous information on my credit report and the information is still on my report. I have enclosed the letter. I want this information removed once and for all. Thank you. 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 non-monetary relief
Consumer complaint received 2022-02-28
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS 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 2019-06-11
Company: Experian Information Solutions Inc.
State: AZ
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:
Have written to XXXX, XXXX and Experian 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX XXXX, above, this item was PAID and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies sent to all 3 credit reporting companies, above. ACCOUNT CLOSED 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

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