BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Big Picture Loans, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My final payment was due on this loan on XX/XX/XXXX. Big Picture Loans presented a debit to my bank for less than the amount of the final payment. Then they began calling, emailing and harassing me onXX/XX/XXXX telling me my loan is late and I must call to talk with them. I called and got absolutely nowhere. Their agents barely speak English and just say they can not help you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: The CMI Group, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Afternoon, I need help! I'm not sure who else to talk to about this. I was just looking at my Credit Report today I noticed a collection account from a company named Credit Management LP for {$320.00} on behalf XXXX. I called Credit Management LP XXXX and spoke with a nice lady XXXX Employee ID XXXX and when she took down my personal information she said that the alleged debt doesn't belong to me. She said that with the SSN i gave her it belongs to someone by the name of XXXX XXXX XXXX that lives in XXXX XXXX XXXX MA XXXX. Never lived or know that person! She said that she will file a fraud dispute and get this removed out of my credit. I just want to make sure that this fraud account is removed from my file because it's hindering my chance of getting approved. It dropped my score over 50 points.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
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:
Attached are documents from XXXX XXXX from a previous complaint. They have agreed to delete all inquiries and negative items on my credit report. Transuion has not followed their orders and is continuing to keep these negative inquiries and reports related to XXXX XXXX on my credit report. I was a victim of fraud and have proved my identity was compromised. With proof of my email, address, you home number and letter stating that. If this matter is not deleted or resolve with Transuion I will take higher matters.

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 2017-12-20
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call on XXXX/XXXX/XXXX at approximately XXXX XXXX  on my work phone from XXXX ( XXXX XXXX XXXX ). The man stated I had an outstanding debt to XXXX XXXX XXXX XXXX in the amount of {$200.00}, and did I want to settle the debt by phone. I attempted to explain to the caller my credit card with Sears was more than 25 years old and I knew my mother had paid the debt in full. The call turned hostile when I asked the caller to provide details on the amount owed by letter or fax. He told me he did not have to provide details, I knew what I owed. He told me he knew where I lived, specifically providing my home address, he knew what kind of car I drove, ( XXXX ) and he would be calling my employer regarding this outstanding debt. I hung up without giving additional details. I called back at XXXX XXXX, after reading the specifics on the Federal Trade Commissioners website about the Fair Credit Act. A man who identified himself as the General Manager got on the call and proceeded in a more abrasive confrontation manner stating if I paid the debt by phone the calls would stop. I attempted to read the statute of limitations, the right to request details on the debt and the right not to receive threatening calls on my job or my personal phone. He stated a collections notice was mailed to me two weeks ago. I attempted to explain I had not received the notice and could he fax it to my attention. He said no he was not required to provide me with details, my debt did not go away no matter how old and I needed to pay or he would proceed with taking action by calling my employer, filing charges and suing me. I told him without proof of debt I would not continue the call and would proceed with the law, as regulated by the Fair Credit Act.  He was belligerent, unnecessarily hostile and would not allow me to speak. I hung up on the call again. I was no longer going to me insulted by his hostile voice, threatening tactics of calling my employer or coming to 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 explanation
Consumer complaint received 2020-05-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 at roughly XXXX XXXX Pacific time ( US & Canada ) I purchased goods and services from XXXX XXXX ( XXXX XXXX via PayPal for the prices of {$100.00}. I did not receive any of what I paid for and after trying to resolve the issue and collect my refund I was told to go to another online payment website to which I declined. It is clear this person is falsely advertising his or hers service in the hopes to eventually sway the consumer to cut their losses. I am willing to take legal action if necessary. 
Transaction ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2020 I attempted to use my XXXX card and it declined. I assumed this was because I was in a different city shopping for my daugher 's birthday about an hour from home. What really was going on is that someone hacked my XXXX account online, changed my address and contact information, and requested a new card be delivered to associated address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

This is not my address and I do not have any affiliates with anyone in OH. My credit report reflects on XX/XX/2020 this address as an associated address and I would like it removed. I would also like any inquiries or charges around this time removed as well as it does not belong to me. I did report this issue to Discover.

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 2020-12-07
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX  with ACCT  # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-11-28
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:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Experian Information Solutions Inc.
State: OH
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 incorrect information on all the credit reporting agency, Experian, XXXX, and XXXX. An because the incorrect information I had to take a new loan at a higher rate and I 'm having issues buying a home.I will list off of the in correction on my credit report. Experian incorrect details bellow XXXX XXXX {$100.00} OPEDN ON XXXX XXXX XXXX  {$50.00} OPENED ON XXXX XXXX XXXX {$15000.00} OPENED XXXX XXXX XXXX XXXX XXXX {$8500.00} OPENED ON XXXX XXXX XXXX XXXX {$87.00} OPNED ON XXXX XXXX incorrect details XXXX XXXX {$100.00} OPEDN ON XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$50.00} OPENED ON XXXX XXXX XXXX XXXX ) XXXX XXXX {$1800.00} OPENED XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$12000.00} OPENED ON XXXX XXXX Incorrect details below XXXX XXXX XXXX {$7000.00} opened XXXX Blank info listed as collections as {$100.00} opened XXXXand {$50.00} opened XXXX XXXX XXXX {$1800.00} OPENED XXXX I HAVE NEVER HAD ANY DOING WITH THESE COMPANIES

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 2019-06-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was offered a sign on bonus for a credit card. And after applying for the card ( requiring a credit check ), making the minimum spend requirement, paying the annual, fee, I was denied the sign on bonus due to closing too many accounts. This was after I have been using the card for 3 months. Usually, there is a warning prior to applying for the card that they may you deny your sign on bonus, I was given no such message/warning. 

After multiple complaints and internal investigations the last 2 weeks and explains to them I closed other accounts for person reasons and trying to fix my bad credit score, i was still denied the points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Fraudulent accounts/ disputed with no results and lack of commitment. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-22
Company: Merchants and Medical Credit Corporation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
M & M CREDIT is reporting negative information to my credit report as a debt collector. The debt they have reported is for {$300.00} from XXXX XXXX XXXX. I do not desire to work with a collection agency under any circumstances for this reported debt. The debt is with XXXXXXXX XXXX XXXX and I am able and willing to settle the debt with them. The reason the debt with XXXX XXXX XXXX was not been paid, is because I believe I was charged excessive fees for an overdrawn checking account. I've been in contact with XXXX XXXX XXXX multiple times regarding the debt but did come to an agreement for the settlement amount. I would like to settle this debt with XXXX XXXX XXXX  directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
ORIGINAL COMPLIANT Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Action taken : SUBMITTED TO FTC SENTINEL NETWORK Product : Debt collection Issue : Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Va. XXXX through their attorney, XXXX XXXX XXXX XXXX XXXX file suit against me on XX/XX/XXXX in State Court of XXXX County, Georgia Civil Case # XXXX. 
1. This action was time-barred since it was taken on a debt/default which occurred XXXX XXXX- ( 9 years after the fact ) 2. I was never notified of r XXXX XXXX XXXX 's request for a judgement/or the judgement dated XXXX XXXX. 
3. I was never notified that XXXX XXXX XXXX XXXX as a result of the judgement obtained a lien on my home dated XX/XX/XXXX. 
4. I only discovered the Judgement & Lien as a result of a routine home mortgage refinance- which is now in limbo.

5. Portfolio Recovery Associates, attorney XXXX XXXX XXXX XXXX XXXX has failed to respond to 2 request to resolve this matter.

6. A request was made today directly to Portfolio Recovery Associates to have the suit /lien vacated immediately.

7. I advised after the suit/lien has been vacated I am more than willing to work with Portfolio Recovery Associates toward a mutually satisfactory resolution of this matter.

8. I notified Portfolio Recovery Associates that their actions are a violation of their XX/XX/XXXX signed Consent Agreement, which specifically prohibited them from suing past the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: PNC Bank N.A.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a vehicle loan with PNC Bank that I was granted an accommodation under the CARES Act due to Covid 19 hardship. Federal law prohibits negative credit reporting while under a covered period. PNC has reported late payments on my credit report XX/XX/XXXX and XX/XX/XXXX while I had accommodations in effect and also had my account in a repossession status in XXXX that I paid over {$1700.00} to get it out of the repossession. My account was also current when the accommodations were made. I spoke to a supervisor XXXX on 3 several occasions. We went over my account and balances. I attempted to explain to him the errors. XXXX continued to explain that the reporting was accurate. I also sent a letter via certified mail with return receipt to PNC Bank on XX/XX/XXXX asking them to remove those late payments on my account pursuant to the CARES ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are still reporting inaccurate after their investigation.

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 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been 4 and a half months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the XXXX  data breach and believe some of my accounts were compromised.

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 2020-11-18
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am a first time home buyer. This process was absolutely horrendous. No communication. Dishonesty. Misleading. And just down right terrible. 

I was told over and over again to stop freaking out to relax. Just chill out. Well come two weeks after original closing date and my house was sold. A single mom with a XXXX year old and know were to go was told by my title broker that it was never going to go through. 

I was quoted a XXXX $ mortgage and the mortgage was going to end up being closer to 1600 . 

Im beyond mad. I have no where to go now with my child. All because of putting everything off and playing major games. Im sick over this. 

On top of it my credit is completely trashed now because he checked it so much. Not ok at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: SC
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 sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been 4 and a half months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the Equifax data breach and believe some of my accounts were compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX is reporting a late I do not have. I paid the account off in XXXX and I should not have a XXXX late. They called me and said it was a mistake and that they would fix it however they have not done so. I should not have a late on this account it was paid off and it is their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
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:
In XX/XX/XXXX our mortgage was paid in full due to a refinance. In XX/XX/XXXX Loancare ( Lakeview Loan Services ) reported a 30 days delinquency for XX/XX/XXXX, XXXX has not corrected my XXXX  and subsequently reported another 30 day delinquency for XX/XX/XXXX despite my account being closed and paid in full with never being late and XXXX claiming the issue is corrected. I am on the verge of losing a real estate transaction.

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