BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
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: Account status incorrect

Complaint:
I've disputed this XX/XX/XXXX account on several occasions with XX/XX/XXXX through XX/XX/XXXX. this account is inaccurate it's reported as open on XX/XX/XXXX but closed on XX/XX/XXXX, but yet the account is in collections. the date opened is wrong as well it's reported opened on XX/XX/ on XX/XX/XXXX and reported opened XX/XX/ on XX/XX/XXXX. I request that this account be removed due to the detrimental impact it has had on my credit. in addition, they reported a late payment and a past due balance of {$470.00} on a XX/XX/XXXXaccount that had been charged off. and late payment for XXXX when that account has been charged off and closed. 

on Experian XXXX is a closed account that has been charged off but yet it has a past due balance of {$1000.00} and 12 late payments when I've never made a payment late or at all. it also has XXXX XXXX XXXX which is a charged off the account but yet is has over 12 late payment and a past due balance of {$470.00} as well as XX/XX/XXXX with a late payment which I've never made 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 2019-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2019 wanted to get information regarding disputes and was not getting any information I asked for was told was going to file complaint was told to do so. submitted several time to have disputes nothing has changed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: EQUIFAX, 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 information incorrect

Complaint:
I was notified that my mortgage service company XXXX was being transferred to XXXX XXXX. back around XX/XX/19. My mortgage payments were on an autopay from my bank every month. My XXXX and XXXX payments were drafted from my bank. I thought everything was ok, went I spoke with XXXX, they stated XXXX was no longer in business. I attempted to make a payment to XXXX, they stated all my account info was not transferred and to call back. I stated I was concerned with my credit report, and they told me that they will not report to the credit agencies during the transition time. I went to purchase a vacation home, I and ( 2 ) 30 day and 60 day late was reported. These need to be removed, the account is current. It took me over a month to recover the {$5500.00} given to XXXX. 

Thank you in advance for your help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
These accounts still appear on my credit report that were part of my identity theft case.

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 2018-01-28
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a U.S Postal Service Certified Mail Receipt XXXX to ERC which was received on XX/XX/XXXX. I asked ERC to verify that the debt that was placed on my XXXX   credit report under account XXXX for the amount of XXXX. In the letter it asked for them to provide me several items which they failed to do. The only thing that ERC sent was a bill that did not validate that I owe. I also did a search on the Texas Secretary of State website for ERC XXXX XXXX XXXX XXXX, FL XXXX and no results came back for this company address to collect a debt in the State of Texas. I would like for the company to provide me proof that they can collect on this debt and to provide me an agreement with ERC that authorize then to collect on this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by Hunter Wakefield on or about XX/XX/XXXX for a debt in the amount of {$1600.00}. I investigated the company via Better Business Bureau of XXXX, FL and discovered that this firm had over 300+ complaints. After many hang-up calls, the firm finally left a message. I called back and thought we were making progress in negotiating a settlement. I spoke to XXXX XXXX on or about XX/XX/XXXX and made my final offer to settle. Unfortunately, he became angry and belligerent and hung up on me. See Attached documentation.
I continue to receive hang-up calls from a phone number related to Hunter-Wakefield. I 've sent a certified letter requesting the calls to stop. See attached documentation. <P/>Can you help? <P/>XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
reached out to PennyMac regarding a loan modification.I wanted to be pro active while account is current as they recommended, i uploaded all documents in a timely manner including the reasons of rising expenses college for children, ( XXXX  ) increase in mortgage payment due to property taxes increasing escrow and escrow shortgages medical payments and this PMI which stays on even though under 80 % LTV. my point of contact was XXXX XXXX but we dealt with XXXX XXXX .The modification was denied /XXXX XXXX cited no imminent danger of default.? She cited FHA works off the gross pay. when calculating modification.What is problematic is pennymac can obviosly see as we described in borrower situation thats premised with supporting a family of XXXX  on XXXX XXXX net! Also whats troublesome is that XXXX XXXX stated FHA works off borrower gross pay which as a state employee with massive mandatory state deductiions which leaves a greater disparity between gross and net is prejudicial to a state employee.For instance maybe my net pay looks ok on paper but how many private sector employees single wage earner family of XXXX takes out close to {$8000.00} ALONE just in retirement contribution alone.! there must be and exception or or my special circumstance should be strongly considered and request escalated for assistance.Also i am not witholding enough federal my accountant says which will leave me around {$3600.00} net per month to support a family of XXXX  .predicated with a XXXX mortgage payment which is way of 40 % DEBT TO INCOME! iN CLOSIN borrower has presented a defense and back it up with plausible reasoning with the facts on why my loan should be modified.i will not stop here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Regarding XXXX Company claims it has responded, but I have received no response

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 2021-11-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am XXXX XXXX and I am submitting this complaint myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX - Inquiry : XX/XX/2020 ; XXXX XXXX XXXX - Inquiry : XX/XX/2020 ; XXXX XXXX XXXX XXXX - Inquiry : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: BARCLAYS BANK DELAWARE
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Barclay 's credit card ( XXXX XXXX ). My account is set up for auto payment. ON two occasions, the auto pay has taken out more than the balance due. This happens when a credit ( like a return ) is refunded to my account which thus lowers the balance on the account. Barclays still pulls the amount on my statement rather than the actual balance. In this case here, the statement balance was {$9600.00}. The actual balance was {$8400.00}. So instead of just withdrawing that amount, they withdrew {$9600.00} leaving me with a credit balance of - {$1200.00}.

To resolve this problem, I have to call the company. They have to wait five days to make sure the payment clears. Then they are going to send me a physical check which I have to deposit. 

Essentially, this means they scam me out of my money for 20 + days ... ..of course they can make money on my money for free. As I said, this has happened once before. How many other people are they also doing this to? 

I have included the statement which shows all of this in detail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to talk with representative of company can not get beyond sign-in request. Using correct info to sign, system recognizes have account but doesnt allow me to change password to create new access to account and system does recognize old information. This prohibits me from accessing my account. Can not get anyone on phone because of COVID-19 to address complaint. Equifax dropped credit score when only three things changed on report. One account had closing balance {$5.00} more than previous statement. Another account I owed {$10.00} more than previous statement. Another account reported debt reduced {$37.00}. My total debt decreased {$17.00} and my credit score dropped 12 points. It seems every 3-4 months Equifax drops my score 12-19 points with just an increase in debt of less than {$25.00}. Then It takes 6 months to recover from this drop of 12-19 points even when other accounts are decreasing by hundreds of dollars thereby keeping credit score in the poor or fair category the entire year restricting ability to ever get a credit score of good. Want to file complaint against Equifax for restricting ones credit report scores whereby it is never possible to get a score higher than 650 -660.  Absolutely unfair!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A few months ago I requested the BOFA 's credit card department to waive the annual fee for my XX/XX/XXXX credit card due to the difficult situation and uncertainty of the moment. They denied it, and the only option available to get this charge reimbursed according to them was if I decided to close the account. I asked if I could switch or convert this credit card to a different one, and they said that I was able to qualify for the conversion. Recently, less than a week ago I called again and I almost got the same answer but to my surprise, I was able to qualify for the conversion-which technically they close one credit card and open another one- However, they couldn't reimburse the fee because it has had been a long time since my first talked around the subject with them. We are talking about XXXX but wait for a minute. Life has changed dramatically since then? I didn't like the unfair treatment, especially since I have been a customer for over 3 years and I never had missed a payment or been late. On top of that, I explained to them that the main reason for getting this credit card is not there anymore because XXXX XXXX doesn't fly anymore to my country of origin. It did it just for my first year of using the credit card.

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 2018-01-28
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Amsher Collections Services contacted me several times about a debt that was owed. I explained to them that i would need more time. Several weeks has passed and the same collection agency contacted my Job to collect the same date. After i explained to the agent that this was not right, agent continued to call days after. The acount was open on XX/XX/2017 2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
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:
Account Number XXXX I have requested validation regarding debt owed to Portfolio Recovery multiple times. The last time was in XXXX. Instead, the company has been sending information they obtained from XXXX  XXXX with no signature showing that I agreed to pay Portfolio Recovery the alleged debt. I have request copies of documents ( not old XXXX  XXXX bills XXXX with my signature to serve as verification of the said debt owed. Under the FDCPA, I have the right to request a copy of contractually obligation, with my signature agreeing to pay this said debt. Additionally, the statute of limitation in the state of SC for credit card debt collections is 3 years and a copy of the notification sent to me from Portfolio Recovery ( after requesting validation-a bill, not validation/verification with my signature agreeing to pay them ) is dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
These accounts still appear on my credit report that were part of my identity theft case.

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 2018-01-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Our son was in a horrific accident in XX/XX/XXXX, I called the Mortgage company to explain to them that in order for our son to come home we had to modify our home, unfortunately the only money at the time we had was our Mortgage payment and we used it to make our home accessible for our son, now that he is XXXX. Things were okay the first few month 's, but shortly after Wells Fargo would deny taken payment over the phone they would put our money in a " suspense account '' time and time again and release the money and it unfortunately repeat over again. After trying for months to work on it, in mediations with Wells Fargo we had no alternative, but to hire an Attorney. Ultimately our home was foreclosed on even after our attorneys submitted document after document, month after month in order to refinance our home we were even approved for HOPE and after submitting the documents to our attorney 's they advised us that there was nothing they could do that they were foreclosing on us and we had to be out of our home. We lost our home that we put our blood sweat and tears into that home, our son feels he is the blame that we lost our home and now we have bad credit due to this.

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 2018-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I Looked up my credit report and found an account that i did not know about or received letters to my address From Portfolio Recovery. The account dates back from XX/XX/2014 As i did not have any credit card open. This is an identity theft under my Social Security Number. I was not contacted by Portfolio Recovery and i was not mailed about this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX account nor a XXXX account and the account is fraudulent. XXXX XXXX XXXX, XXXX and XXXX, XXXX and Transunuion are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.

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 2022-10-04
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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Regions Bank in branch in XXXX, GA on XX/XX/2020. I opened the account in response to a promotion offer I received via U.S. mail. The promotion entailed opening a checking account and completing XXXX debit card transactions within 30 days to receive a {$400.00} bonus. The bonus is to pay XXXX days after completion of the XXXX debit card transactions, or approximately 120 days from account opening. I have completed the requirements and have not received the account opening bonus. I have worked with the branch starting on or around XX/XX/2020 and they keep saying they're working on it. They admitted other customers have not received the bonus. I beliece this to be a XXXX concern that needs to be investigated.

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 monetary relief