BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-10
Company: Experian Information Solutions Inc.
State: OH
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:
I am being charged for a credit freeze and have been a victim of fraud and online hacking. XXXX and really all of them are doing a major disservice to people by collecting ans then storing my info ( data ). In the past someone used my credit info to open charge accounts and those stupid pay loans. I am so sick and tired of companies and people making money off my image and my data ... illegally or what society has allowed to be considered legal. In order to collect my data or to house it on a computer you must have my permission to access, house or use my info and my image and I have not granted permission to any of them, ever and they continue to use my image which is my data. To turn around and try to sell me my own info or to lock my info is wrong and should be illegal. I am filing complaints with consumer complaint organizations as well as the Federal Trade Commission and my Attorney Generals office in XXXX, OH. These companies need to lock my info immediately and they DO NOT have my permission to retain my information on me on any system any further.

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 2020-02-19
Company: EQUIFAX, 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 have sent in identity theft disputes multiple times in which the bureas have failed to response let alone follow the guidelines outline in FCRA 605 ( B ) that states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. In which they have not complied with I also sent these documents certified so I have proof of receipt. For Example USPS tracking number XXXX. Confirmed ation of receipt was on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo has willfully withheld information regarding my payment history ; and, once the history was finally released, it was inaccurate. This has resulted in my not being able to refinance my mortgage.

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 2022-03-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX  DOESN'T READ COMPLAINTS. I have continually complained against Experian and XXXX XXXX XXXX XXXX ( XXXX  ) because they accessed my credit report without my permissible permission on XX/XX/2017. I continually request the permissible permission and have yet to revive. I know it does not exist. XXXX doesnt read the complaints and continues to label complaints This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. But then they contradict the above statement by stating Keep track of the original complaint numberXXXXso you can track its status and receive the company response on your Consumer Portal or by calling us. Doesnt make any sense.

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 2017-11-10
Company: EQUIFAX, INC.
State: OH
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:
I am being charged for a credit freeze and have been a victim of fraud and online hacking. XXXX and really all of them are doing a major disservice to people by collecting ans then storing my info ( data ). In the past someone used my credit info to open charge accounts and those stupid pay loans. I am so sick and tired of companies and people making money off my image and my data ... illegally or what society has allowed to be considered legal. In order to collect my data or to house it on a computer you must have my permission to access, house or use my info and my image and I have not granted permission to any of them, ever and they continue to use my image which is my data. To turn around and try to sell me my own info or to lock my info is wrong and should be illegal. I am filing complaints with consumer complaint organizations as well as the Federal Trade Commission and my Attorney Generals office in XXXX, OH. These companies need to lock my info immediately and they DO NOT have my permission to retain my information on me on any system any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed a complaint XX/XX/XXXX and Equifax refused to respond saying they couldn't respond because they can't identify me. I need to write to them. I have been writing and emailing and calling. I will not keep doing that. I will add all my identifying information here so I can have proof of the actions that Equifax falls to take. 

My complaint : Back in XXXX, I filed two CFPB complaints about Equifax because my credit report was blank other than1 fraud that I had a police report for being a victim of identity theft. Equifax finally updated my account and removed the fraud account. Since then several updates have happened that didn't really cause concern little things. Now at the beginning of the year, XX/XX/XXXX Equifax has removed almost all of my accounts from my credit report. My credit report is showing that I have a credit history of 1-year which is completed inaccurate. Please see attachment that shows 13 accounts were removed from my credit report. Please also see that the fraud account for XXXX XXXX XXXX that Equifax told CFPB that was removed in XXXX was actually added back at some time and removed again with all my real account information. I went from a blank file with fraud information, to a somewhat completed file to a no history file. The credit reporting agency should report accurate information and it seems like Equifax is reporting anything it wants to report instead of the accurate information. Credit agencies should not be able to alter someone's credit history by just removing current and past credit accounts. 

Equifax generic response : Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We have reviewed and considered the information you supplied through the Portal. It is our policy to take each complaint seriously and to respond to consumer complaints swiftly ; we have completed our internal investigation, and this complaint is being closed. The results are below : Equifax must obtain proper identification from the consumer before disclosing any information regarding his/her credit file. In order to properly address your concerns and update your credit file, please submit a copy of a utility bill reflecting your current address, a birth certificate along with a social security card showing the social security number to Equifax XXXXffice of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, GA XXXX. You may also contact us at XXXX to speak to a Customer Service My identifying information is attached. Now please explain why my credit information was removed. 

Documents address to confirm address and name : NC Government Issued Drivers License with current address Social Security Card XXXX W2 also showing name and address

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Eastpoint Recovery Group, Inc
State: CA
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:
East Point Recovery group has continued to call my employer, family members and landlord after I 've already provided them with my cell phone number and told them that I am working with a debt consolidation company. I even gave them my account number and phone number to that company handing my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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 sent all three credit bureaus verification request. Request came back verified. I'm not sure how. I contacted portfolio recovery requesting debt validation. They failed to properly validate and did not sent back the 5 items listed in my letter. Instead they began to send me collection notices. I sent notice to the credit bureaus but still they keep reporting this debt collection on my report. I sent a 3rd request to Portfolio Recovery to validated the debt as the credit bureau, XXXX specifically, advised me that portfolio recovery had to send me what they used to validated the debt. Again they did not send all items listed including a contract. I even contacted XXXX XXXX the company they are collecting for they were not able to locate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Possible Financial Inc
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I got a loan from a sort of new lender. Unfortunately each and every time my payments have submitted, the way they connect to the account the payments have been declining. Apparently they use XXXX to connect to bank accounts. They had absolutely no problem depositing the money when I took the loan, but there's been money there for days and they refuse to take the payment it's some processing issue. Every time I update my debit card it just declines. So I gave up on using my XXXX bank account XXXX and tried to use my XXXX XXXX XXXX account - it keeps having me enter the routing and account number over and over and sending me in a loop. I'm getting closer and closer to the 30-day Mark and I don't appreciate them threatening to report me late when I've been attempting to pay since it was due. I want them to fix my payments so they go through by ACH with my XXXX account and remove my XXXX Account. This is ridiculous. I'll never take a loan again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Experian Information Solutions 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:
I am a victim of identity theft

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 2020-02-19
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a conventional mortgage with PNC Bank, taken out in XX/XX/XXXX for a new home purchase in Maryland ( XXXX County ). I have been servicing this loan and have remained current on all my obligations to date, without a single delayed payment. 

Following significant investment in the property and general value appreciation, and taking into account independent expert advice I received, I came to the conclusion that I had achieved lower than 80 % LTV in  XX/XX/XXXX. 

I have filed a request to delete the PMI in XX/XX/XXXX. PNC took a long time to respond to me and they finally ( after a number of follow ups ) sent me a letter dated XX/XX/XXXX, detailing the processes that I would need to go through to delete the PMI. As required, I sent PNC a check to pay for the cost of an appraisal. 

The appraisal took a while to schedule and finally the appraiser contacted us and we scheduled it for Friday XXXX XX/XX/XXXX. Then, after a number of follow ups across a number of days, PNC wrote a letter dated XX/XX/XXXX ( which I received first week of XXXX ), indicating that the appraisal value for the property was {$630000.00} ( without sharing the appraisal report ) and that I needed to reduce my balance to {$500000.00} to delete PMI. 

As per their instruction, I immediately processed a principal reduction and reduced the outstanding balance of the loan to XXXX on XX/XX/XXXX, and contacted PNC Bank as indicated on their letter to let them know, so that they can delete the PMI. 

I still have not received the appraisal report and don't have a view whether this assessment is valid. I can not contest it without having the report. XXXX County 's ( Maryland ) tax assessment as of XX/XX/XXXX for the property is {$650000.00}. The PNC Bank appraisal value is below this. 

As of today, I have contacted PNC Bank four times between XX/XX/XXXX and today regarding the deletion of the PMI, having complied with every request and investor requirement. I still have not received confirmation on PMI deletion. Although I have made a principal reduction, I am still incurring PMI. 

I believe this is unacceptable behavior and felt obliged to report this to the CFPB. 

I look forward to hearing your views.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: First Data Corporation
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/2019 by XXXX by XXXX XXXX from XXXX ( a First Data Corporation owned company ). I was contacted about debt which is owed by my employer on XX/XX/2019 I was contacted at XXXX XXXX by XXXX at which time I expressed that I did not wish to be contacted again about this debt, and I asked for all calls to be made to my employer. I also expressed that I did not appreciate being contacted before XXXX. 

on XX/XX/2019 I was sent a text message from XXXX at XXXX XXXX asking for a call back. 

on XX/XX/2019 I was called by XXXX XXXX XXXX, I rejected the call. 
XXXX I was called at by XXXX XXXX XXXX, I rejected the call on XX/XX/2019 I was called at by XXXX XXXX XXXX, I rejected the call. 
on XX/XX/2019 I responded via text to XXXX that I did not wish to be contacted before XXXX. 
on XX/XX/2019 XXXX responded back at XXXX XXXX, " my appologies ; I will make sure not to call before XXXX moving forward. 
on XX/XX/2019 I was called at XXXX XXXX  by XXXX, I rejected the call on XX/XX/2019 I was called at XXXX XXXX by XXXX, I rejected the call on XX/XX/2019 I was called at XXXX XXXX by XXXX, I rejected the call on XX/XX/2019 I was called at XXXX XXXX by XXXX, I rejected the call

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: PA
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:
Hello I reached out to Equifax as well as the Creditors individually listed on my credit report and I addressed the issue of going over my credit report and noticing some inquiries that were not authorized and that I would like to have them removed immediately. Equifax instructed me to reach out to the creditors and I informed them that I had did so prior to reaching out to Equifax and I was instructed each company could not give me any information regarding the inquiries. 

The items I am looking to get removed are as following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to Experian on XX/XX/XXXX after delinquent XXXX XXXX account was paid in full. Balance was updated, but XX/XX/XXXX was updated as charge off, after account paid in full. Original balance was {$130.00}, payment was {$140.00} on XX/XX/XXXX. 
Another dispute with Experian updating on XX/XX/XXXX updated goodwill  adjustments ( negative comments removed up to XX/XX/XXXX ),  but added negative comments to XXXX and XXXX, XXXX. 
Latest Experian dispute began XX/XX/XXXX and ended XX/XX/XXXX was due to negative comments to XXXX and XXXX. The update for this dispute was to move negative comments from XXXX and XXXX, XXXX to XXXX and XXXX, XXXX. 
Experian can not /will not remove the account from my credit, even though it is set to drop off in XXXX, XXXX, which I requested by phone on XX/XX/XXXX. Experian states that they can open another dispute, but can not guarantee that it will be correct. 
I sent a fax including the attached information to XXXX XXXX on Monday, XX/XX/XXXX. 
Each time the account shows as charge off in Experian, my credit score drops again.

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 2017-11-10
Company: EQUIFAX, INC.
State: AL
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:
Dear XXXX Equifax XXXX XXXX I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX  emergency service reported service of XXXX XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has already been given with no response from XXXX and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My debit card and the related checking account have become unreliable since I moved and changed my address in late XXXX. Transactions fail about 1/3 of the time, both online and in person. I can not use XXXX because Ally bank keeps rejecting linking my accounts. 

I have called Ally 5 or 6 times, spending over and hour on the phone with every attempt. Ive been told 3 times that the error was due to the address change and told 3 times it has been corrected. Ive been told errors with transactions have always been an issue with the merchant, even when I was able to complete a transaction with a credit card and the same mailing address. I was told today that Ally is dealing with a new system, but that information was not made publicly available. I was also told that the issue with XXXX is a known issue, and again there was no public transparency. 

It honestly seems like Ally just doesnt care about these issues, customers having access to funds, or about retention of any kind. I am already planning to switch banks, and I have informed them of this. They have made no efforts to fix the issue, or reach out to me as a customer. Even when I sent a secure message 2 days ago, they have not responded. I spent half of an hour long phone cal on hold ( for various amounts of time ) and when I was disconnected, to attempt was made to call me back.

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