BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-01
Company: ENCORE CAPITAL GROUP 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:
I have disputed with XXXX XXXX more times than I written down Requesting validation bearing my signature from the disputing them with the credit bureaus. and they refuse to send me the correct validation I requested 1. When was the account opened. 2. The first time I missed a payment. 3. When did you take over the account 4. Validation that is a competent evidence bearing my signature showing that i have or ever had some contractual obligation to pay you. They will not release this information to me and its been way over a year. Also I can submitted by mail a certified mail receipt and letter I wrote and the company never responded the so called original credited and any company that represent them with again no responds from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought my property in XX/XX/XXXX and financed it with XXXX XXXX. I refinanced in XX/XX/XXXX with PennyMac based on their solicitations. PennyMac apparently has made a huge miscalculation on the escrow portion of my loan. They listed their projection on my property tax as {$1700.00} where the taxes for my property have been {$4400.00} in the past 3 years. I realized this mistake when they send me an escrow evaluation in XXXX along with a statement suddenly asking {$800.00} extra payment on my monthly mortgage. My payment increased from XXXX to {$3000.00}. I have emailed them multiple times online on the customer service line also emailed the loan officer who dealt with my loan. They have been slacking and delaying replies. Lastly, I was able to talk to a supervisor last Wednesday on XX/XX/XXXX and he admitted there was a mistake in initial calculation of the loan but could not figure out how to solve it said he needs to contact other departments handling the loan and will get back to me the next day on XX/XX/XXXX never did. Today I left them a message said I will be proceeding with filing the complaint with CFPB asI had told them before in our communication which they do not seem to care much. 

My tax records for XXXX online at my county : 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 Meanwhile, I have paid my increased monthly payment as {$3000.00}. I believe they assume that after a while I would let it go as onmy initial call the customer servic representative told me that taxes have been going up high everywhere and that is why people now started to prefer selling home and moving to apartments which did not make any sense as my taxes remained the same for the past 3 years per my county records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: KY
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor 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 non-monetary relief
Consumer complaint received 2019-10-07
Company: WELLS FARGO & COMPANY
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:
I disputed an old account which should have been deleted by Wells Fargo that was investigated by Wells Fargo and they deleted the account from the XXXX and XXXX credit reports but they did NOT delete the account from the XXXX credit report. I disputed  the old account again with Wells Fargo thru XXXX  but it was verified and not deleted.

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 2017-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On  XXXX   XXXX ,  2017  the compan y Portfolio Recover Associates, LLC. took  me to court regarding an account they purchased form  XXXX   XXXX   XXXX   XXXX   XXXX  for {$1100.00}. This was not my account as a result of identity theft. The day of court  XXXX  2017  the case was dismissed  by Portfolio Recover Associates. They continue to report this misinformation on my credit and refuse to remove it. They  continue sending me Dispute Forms requesting information from me from as recent at  XXXX 2017. They also sent me documentation Stating this account has been resolved and the current balance is {$0.00} and settled. They refuse to remove this from my credit. l left messages with their attorney  XXXX   XXXX  and she has not returned any of my calls. Can you please help me get them to remove this from my credit.   Regards,  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01
Company: TD BANK US HOLDING COMPANY
State: CA
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:
I have been receiving letters from XXXX for over a year. Saying that I owe them money. 
XX/XX/XXXX statement 2016 I owed {$170.00}. Unable to charge on the card because they say I was late, no more charges have been made. 
I made a payment of {$150.00} XX/XX/XXXX. I made another payment in XX/XX/XXXX of {$75.00} and {$75.00} in XX/XX/XXXX. I still continued to receive letters that I owe the {$320.00} but now acknowledgment of the payment or explanation of why the balance is n't going down or why it is still going up. I have asked repeatedly for a statement of my charges and they have not given me one. 
Just letter " trying to collect a debt. 
To me it is paid off. They need to correct the credit agencies records which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I would like copies of all of the loan documentation sent to me. That includes copies of the loan documents, recorded documents and any and all documentation related to this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor 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 non-monetary relief
Consumer complaint received 2019-08-01
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: Their investigation did not fix an error on your report

Complaint:
The following accounts were on my credit report as Charge off with balance : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
We were supposed to close on the property on XX/XX/XXXX. Due to USAA erroneously closing out the paperwork regarding this sale in their system, closing on the property was delayed. We had to wait 2 weeks for USAA to assign a new person to our account, wait for that person to read and agree to the documentation to proceed to closing. We made every single payment on the mortgage on time and in the amount due since XXXX. The closing finally took place on XX/XX/XXXX. Due to the different departments at USAA not communicating, the sale wasn't known by the loan department who subsequently reported my now ex-husband and I as being late on one ( 1 ) payment in the entire 14 years we had the loan. I spoke with USAA on numerous occasions for them to fix their error. Finally, I received a letter in the mail dated XX/XX/XXXX stating that they corrected the dispute on our ( ex-husband and my ) account and notified the credit reporting agencies of their error so my credit report would be fixed. It is now 5 months later, I have reviewed XXXX, XXXX, and XXXX and they all still show I was late on one ( 1 ) payment that I wasn't. 

When my ex-husband called USAA to have this same issue fixed on his credit reports and to receive a letter like the one they sent me, he was told they could not send him one in his name since they already generated a letter for me, however, the letter I received does NOT reference XXXX 's name at all, nor did they go through the process to fix the error they caused on his credit report. This is so unacceptable. 

This is severely affecting my credit score and hindering my ability to buy a house for my son and me. I am recently divorced and need to provide a home for him. I am a XXXX XXXX XXXX veteran and want to use my VA certificate for the loan. Based on their rules, I will need to wait until the late payment falls off my credit report to use it. I close on my current house at the end of this month and am in the process of buying a new house and am now experiencing difficulty obtaining a mortgage. Please look into and assist in rectifying this matter. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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 am writing this complaint because its been ignored by capital one and all three credit bureaus. 

My mother in law wanted to save me the aggravation of using my own credit cards when I pick up her groceries and medicine so she added me as an authorized user so that I can just put it on her card. 

Prior to her adding me she showed me that she paid her balance down because I did not want her credit card showing high usage as im due to settle on my house in a few days. 

Prior to her showing me her account was indeed under 30 % usage she made a payment but because of her age she forgets sometimes and paid with an account that was closed out. She did not mean to do that and I believe if you look through her account you can see she never had a returned check before in the past, Once we realized the check came back we immediately made another payment to bring the card back down under 30 % but within that same day you guys have already reported the account to the credit bureaus. 

We sent in a request to all three bureaus to update the new balance and we also requested this from capital one in which have all ignored us. 

I mean as a courtesy we are asking to understand her condition and why this occurred and also may delay or lose y house if this isn't corrected. Its been three weeks now and still no help.

Whomever receives this we ask that you can bless her by helping us out. 

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information is was used for some sort of pet bill with XXXX XXXX XXXX that resulted in it going to Collections. I spoke with a representative regarding this account after I received a letter in the mail and called and told them I didn't recognize it she told me she would take care of it for me and apologized for the inconvenience it had caused me dealing with the idenity theft. Ive had an issue with false credit cards and inquiries on my credit that I was able to resolve with multiple issues other credit companies in the past, as well as a false XXXX account in my name with the XXXX XXXX XXXX XXXX which I can provide documentation for proving identity theft. I've attached a copy of my police report and a copy of my FTC  idenity theft report and my valid ID and social security card to verify my identity. I would like this resolved as it is a result of identity theft and it is dramatically impacting my credit and affecting my financial health in this pandemic.

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 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2019-10-07
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried today, XX/XX/19 to get my credit score from XXXX XXXX and Equifax. They want me to pay to see my credit scores and I will not. They still report that I owe an amount that is {$14000.00} more than my current total. I pay my accounts off monthly and run NO balance ever and yet they have severely reduced my credit score by over 100 points. No explanation. In spite of the fact that my balance is substantially less that last month, it appears that my scores are still 100 point lower than the average I run of XXXX : an average that I have had for years. I want to see my current credit scores from both companies for free and I want them to update my credit report accurately! I'm tired of being held hostage by inaccurate reporting info and the arbitrary dictates of these 2 greedy companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: LEXISNEXIS
State: IL
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 submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA XXXX BKPT CT IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have twice completed paper work for COVID relief assistance, wherein Wells Fargo had allowed me to miss payments as we struggled due to loss of income due to the pandemic. When we were able to resume payments, I completed paperwork for FHA second mortgage for the amount of the missed payments, only to find out over a month later when I called that XXXX did receive my paperwork, but I missed a mailing deadline. I then completed the paperwork again, for XXXX to add to my existing mortgage, and mailed in the paperwork. I called the company and they confirmed that they received the paperwork XX/XX/XXXX and no additional paperwork was needed. Inthen checked the XXXX site weekly to see when my payment status would be updated. In XXXX ( 3months later ) I received a letter from wells fargo stating I'd been removed from the relief program and my loan may be sold. Remember, they previously confirmed receipt in XXXX. They also sent a check for funds I had paid because it wasn't a complete payment. 

It's ridiculous that I have completed the required paperwork twice, confirmed with them that they recieved said paperwork, and now my credit is being ruined and I may lose my home.

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 2019-10-07
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Comenity Bank/ XXXX sent me a bill. I have no XXXX jewelry nor have I shopped there since 2002. This account is fraudulent. It is listed on my XXXX credit report. Comenity Bank states that they conducted an investigation and found that I owe money on an account that I have zero knowledge of or access to. I want this taken off my credit report and I want Comenity bank to stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
M & M has been attempting to collect a debt that was my vehicle insurance responsibility in the first place as this was part of a hit and run accident where the other vehicle was never found. A police report was made due to the issue, but it was never followed upon. As Michigan is a no-fault insurance state, this bill should have never fallen on my shoulders and M & M is a very deceptive and aggressive agency on their collections tactics. 

Even when I did not accept responsibility for the debt, I made an attempt to make a settlement which they refused. After that their agents started asking for personal information such as my employer, my payment day, my banking institution, and other job-related questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation