BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: WA
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:
These accounts have all been removed from my XXXX credit reporting account I would like XXXX, and Equifax to do the same for the following accounts XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a debt on my credit report from a company who owned and rented an apartment to my ex boyfriend. I was only ever a roommate. I moved out of the apartment and for at least 4-5 months him and his wife were living there. Well the ended up being evicted and now the debt they owe is on my credit report. The manager knew I had moved and was no longer staying there.

It's over a 2400 $ debt that I had no knowledge of and was not living there to acquire.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX reported me late during a pandemic. I was very sick with XXXX and had XXXX. I worked very hard to keep up with payments. I had a deferment. I requested a goodwill late update to never late. XXXX ignored me. I feel that I should receive a goodwill update. I would like late fees deleted I cant afford to pay XXXX I request a goodwill. 
Account # XXXX Product:XXXX XXXX VIN:XXXX Term:36 Payment Due DateXX/XX/2020 Current Payment Due : {$480.00} Past Due : {$480.00} Total Fees Due : {$110.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I scheduled a temporary lift of my credit freeze last year. I scheduled it for 7 days, ending XX/XX/XXXX. Equifax still shows the account as unfrozen through XX/XX/XXXX. That was 3 months ago. 

They will not let me freeze my credit. 

They make phone numbers hard to find and then the numbers lead right back to " do it yourself '' - but i can not. Real customer service is only for paying customers. 

They already burned me by exposing my data in XXXX, they should be more interested in protecting people before asking us to pay them more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me recover it. I haven't gotten help from them for months, but I just remembered that I can submit a report here because I think they are not doing a good job, and because I often use PayPal, this has a big impact on me. My email link to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX reported me late during a pandemic. I was very sick with XXXX and had XXXX. I worked very hard to keep up with payments. I had a deferment. I requested a goodwill late update to never late. XXXX ignored me. I feel that I should receive a goodwill update. I would like late fees deleted I cant afford to pay XXXX I request a goodwill. 
Account # XXXX Product:XXXX XXXX VINXXXX Term:36 Payment Due DateXX/XX/2020 Current Payment Due : {$480.00} Past Due : {$480.00} Total Fees Due : {$110.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had received a phone call from my bank saying that someone was trying to access my XXXX and then I need to reset it, The number on my caller ID was US Bank. I was told I need to forward myself the amount of money I have in my checking account to restart my XXXX. This happened back in end of XXXX, my bank denied my claim and XXXX has not gotten back to me. I transferred a little over {$1300.00} That they asked for and I never got it back. I have a screenshot of the account I sent the money to but Us bank nor XXXX cares. I don't know what else to do. It put me in a financial burden.

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 2022-08-07
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: Account information incorrect

Complaint:
I tried to dispute some items on the credit report. The are violating my Rights.

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 2020-08-26
Company: Experian Information Solutions Inc.
State: MI
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 complaint to the CFPB in regards to inaccurate late payments being submitted to XXXX, XXXX and Experian on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX 

XX/XX/2020 LATE THIRTY DAYS The company XXXX XXXX has not completed the investigation within the time frame and keeps putting me off even though I have submitted documentation to the company in regards to the complaint. As a result, I would like the negative trade line REMOVED From my account entirely at all three reporting agencies.

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 2020-07-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with an overdraft
Sub-issue: Overdraft charges

Complaint:
I have a Chase Bank Account and XXXX Account with thousands of dollars in them : both are compromised at this time. ***On the yearly basis it has rendered me XXXX. 
XXXX XXXX  as well : however I have a case pending with XXXX XXXX   because of out of state purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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
Consumer complaint received 2021-02-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Evening, I have an FHA mortgage and I pay the mortgage payments to my mortgage provider, Pennymac USA. Back somewhere around XXXX or XX/XX/XXXX, I contacted Pennymac to see if I qualified for Covid-19 Forbearance ( Due to Cares Act and my financial hardship ). ( I'm going to request a copy of the conversation next week ) I mentioned I only wanted to take Forbearance if I can take what I owed and add it to the end of the mortgage ( Covid-19 Standalone Partial Claim ). I was told yes and I went ahead and took the Forbearance. 

Fast forward to today where I'm trying to get off of forbearance and I called to get a game plan to get me off of Forbearance. They told me I don't qualify for the Covid-19 Standalone Partial Claim. I only qualified for the Lump Sum or Loan Modification, when I got off of the forbearance. They said that to be eligible for the Covid-19 Standalone Partial Claim that " I have to be current as of XX/XX/XXXX ''. 

After further research within the hud.gov website, under Mortgagee letters ( Mortgagee Letter XXXX ) one of the eligibility says the following, " the Mortgage was current or less than 30 days past due as of XX/XX/XXXX ; '' I paid the XX/XX/XXXX payment on XX/XX/XXXX. So technically I was NOT current BUT there is the OR clause that says " or less than 30 Days past due as of XX/XX/XXXX ''. There are no asterisks or quotes around that, or anything stating to take a leap year into effect. Therefore technically as of XX/XX/XXXX I was 29 days past due. 

Therefore I believe I should qualify for the Covid-19 Standalone Partial Claim but for the whole month of XX/XX/XXXX I keep getting a " no I don't qualify '' or " we interpret 30 days past due with Leap year consideration ''. Again nowhere does it say anything about leap year, etc. My due date could be on the 15th and technically I would be 14 days past due as of XX/XX/XXXX. 

I attached the document straight from the hud.gov website ( https : XXXX ) that shows my proof of why I should be eligible. I keep requesting Pennymac to provide proof why I don't qualify but keep getting the runaround. 

Please assist and thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Merchants and Medical Credit Corporation, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and I found a derogatory debt that I owed. I don't recognize the company who reported it to the credit agency. It stated that I owe {$1900.00}. The debt I owe was reported XX/XX/2021. It is a collection account from M & M CREDIT. The original lender states XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: WELLS FARGO & COMPANY
State: WY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
on XX/XX/XXXX my wife and i totaled our car my insurance adjuster tried for 2 weeks to get a response so he could send a payment out. in the mean time he mailed a check made out to us and wells fargo to try and get a response in the meantime i was called every day asking for payment. they received a check on XX/XX/XXXX for XXXX dollars, i know that because i was told that, my insurance adjuster XXXX ( XXXX ) for XXXX XXXX XXXX notified me that the check had cleared their bank on XX/XX/XXXX. and he mailed them out the balance after i talked to the office of the president. he finally got to talk to someone who promised to send him a letter of gaurantee for the title but they sent him the wrong information, they finally fixed that and sent the right information, when he contacted them on the XXXX XXXX from the presidents office said they never received the check and that he was wrong. now i just talked to them and was told they did receive that check but not sure the date and it would take several weeks to credit my account, in the meantime they should have received the second check, but nobody knows, i have gap insurance but cant start it without a copy of the last check.in the mean time they are charging XXXX dollars a day interest to my account and destroying my credit,

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 2020-05-13
Company: Pankey & Horlock, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an invoice on XX/XX/XXXX showing an amount due of {$450.00}. 

On XX/XX/XXXX without any notice the amount grew to over {$12000.00}. 

In XX/XX/XXXX we reached a settlement that the case would be dismissed. 

In XX/XX/XXXX. I received an invoice showing no fees fines. This was due to case being settled. 

I complied with all the terms of settlement. I mailed Certified mail with return receipt the settlement offer to debt collectors office. 

Without any notice After settlement was reached attorneys filed a motion for XXXX  XXXX. After settlement was reached with no notice attorneys decided to proceed to trial. 

Debt collectors

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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 {$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 ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/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 2020-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2018 i was a victom of identity theft and charges were made to a credit card that i did not approve. A report was made to XXXXXXXX XXXX. An invistagation was suppose to be made but was not and they sold the debt to portfolio recovery. When i was contacted by portfolio recovery debt collector i told them the debt did not belong to me, they have denied the settlement i offered and are currently being suing by their attorneys at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: FL
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 contacted the XXXX major credit bureaus, XXXX, Experian, and XXXX, I have disputed several inaccuracies, I have not received any answers to my disputes. I have sent dispute letters in the month of XXXX and XXXX. it has been over 60 days and I have received no respone.

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 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I just want the company to respond to me via FCRA guidelines. Thanks for your help.

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 2020-11-07
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ran my credit report threw equifax and noticed two inquiries shown on my report one from XXXX XXXX inquirie date was XX/XX/XXXX and the second inquirie was from XXXX inquirie date was XX/XX/XXXX i do not recognize or authorized either of these two inquiries so i contacted credit bureaus office equifax to dispute them and have them removed two times i disputed them with equifax, equifax stated that inquiries are a factual record of file access and would not remove them, i also reached out to XXXX  XXXX and XXXX and neither company has any pass or current account with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This information is for the XXXX XXXX XXXX XXXX. As you can see the title from XXXX county court shows that there are 2 joint tenancys. XXXX XXXX XXXX, and XXXX XXXX XXXX.If the XXXX XXXX XXXX would read the information provided out of a Colorado Law Book there is no probate and they have done no favors due to the fact that XXXX & XXXX are the owners XXXX  is not a third party. Maybe the XXXX XXXX XXXX should talk to an intelligent attorney that understands the law. There can also be a Chapter XXXX Bankruptcy filed and asking for damages with the Judge since the people at Bayview are complete idiots. Read the Law and see that there is nothing that needs to be probated and since you have been held in Contempt in Bankruptcy before this should not be a problem. These People can not say yeah we made a mistake they would rather lose millions of dollars and I am just waiting for the XXXX XXXX XXXX to send another stupid letter. Looking forward to meeting her in Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
bank of America credit card has allowed continual fraud and then ignored andhas continually ignored my disputes and requests for action. they have reported me negatively while this is in dispute, harassed me and not done anything to assist or rectify this matter. they have violated and continue to violate credit card rules and regulations that I'm in agreement with and they have nopt proplery handled this dispute or redit card processes. I want this account removedand this to stop immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation