BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: AR
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:
Equifax created a hostile environment for me when I worked for XXXX XXXX XXXX in the year of XXXX, there was a workforce reduction for a week, went back to work for XXXX within a week Equifax affiliate produce a credit report for me that I was born in the year of XX/XX/XXXX.I brought this up to the XXXX XXXX XXXX corporate office in XXXX  New York . The only reason I am using XXXX XXXX XXXX is because of that where it all began after getting laid off for a week back in the year XXXX  in XXXX.Equifax is now asking me to send in my personal information which, I have done this at least twice through USPS : Tracking number XXXX XXXX XXXX XXXX XXXX XXXX-Sent XX/XX/XXXX, this contains several personal information in the packet : Information sent to Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX Georgia XXXX 1.Letter from Equifax 2.One Photo ID of Drivers License 3.Copy of International Paystub : Dated XX/XX/XXXX 4.Copy of my SSN The second Packet sent : Tracking number XXXX XXXX XXXX XXXX XXXX XXXX Contained the same information as the first packet sent to Equifax Information Services LLC sent on XX/XX/XXXX. Also in this packet, a utility statement was sent, now Equifax is asking me to send in this information again I will not send it in after sending it twice plus faxing the information as well. Looking at it closely the information that is uploaded you will see on the document attached the date of birth you all createdXX/XX/XXXX, where I worked -XXXX  -XXXX XXXX-XXXX XXXX and my SSN which is located on the paper document that is uploaded.I will continue to fight because you all created a hostile environment for me as well as many financial matters in providing for myself as well as my daughter 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a smart access checking account with PNC BANK. There was fraud committed on my account. I noticed unauthorized charges on my account. I called and spoke with a PNC agent and we deactivated my debit card and a new one was issued. I received my new card XX/XX/ and activated it. Today XX/XX/ I find out that PNC BANK closed my smart access account. I did not authorized PNC to close my account. I was not even notified by PNC that they closed my account. I had a direct deposit that went through to my account XX/XX/. I went to check my account balance and found out the account was closed. I spoke with a PNC agent named XXXX ( XXXX ) and he was very rude and didn't offer me and insight as to why the account was closed. I cant help but feel PNC BANK is penalizing me for my account being compromised. Now the direct deposit I was expecting is in limbo and I have no money to be able to get through the week. PNC is costing me my job. I needed that money to get bank and forth to work as well as other necessities. PNC bank has cost me more than they will ever know!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with a supposed manager name XXXX XXXX in which I explained to her that her collector violated the fdcpa by not verifying who she was truly speaking with by law you can not verify a consumers identity by address alone she must verify a consumer by the last 4 numbers of there social security number. At any address there may be multiple people with same name. There may be a junior or senior with the same name and sometimes a father and son may have the same name and not be a senior and junior. The representative then said she will give me the last 2 numbers of my ss # and gave me XXXX as the last 2 numbers and asked me for the preceding 2 numbers I refused and she gave them to me instead and divulged all my info without a proper verification. XXXX XXXX reviewed the notes on the file and the representative improperly notated account as well a second violation of the fdcpa. I was supposed to receive a call back from XXXX XXXX days ago after speaking to her manager and never received that call ... I have called in 5 times today and asked to speak with XXXX XXXX and several people in your organization all said they were managers. At this time I will be making a complaint with the FTC and the Secretary of State and contacting an Attorney to file suite

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 2020-06-29
Company: Academy Mortgage Corporation
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We are building a home and the builder offers design and or closing cost credits to use their 'preferred lender '. Although we were already pre approved with a different lender, it was enticing to us and seemed like a better option for our family to go forward and take advantage of the total of {$3000.00} of credits ( {$2000.00} from the builder and {$1000.00} from the lender according to the flyer ) on XX/XX/XXXX we applied for a loan with XXXX XXXX at Academy Mortgage. I had let him know that i wanted to see his fees to make sure that we weren't getting these credits just to then pay excessive fees for the loan with him. He continued to boast about his company, loan products and ability to get the job done. Weeks went by and we never received a loan estimate. On or about XX/XX/XXXX we officially went into contract with the builder on our home. We received an updated loan approval on XX/XX/XXXX from Academy Mortgage to move forward. Again we asked for fees to which we received nothing. After meeting with the builder and adding upgrades increasing our purchase price Academy Mortgage then provided another preapproval. I asked again for the fees ... nothing. In XXXX I learned about the laws requiring a lender to provide a loan estimate within 3 business days of application. Academy Mortgage is the exact reason why these laws are put into effect. XXXX has refused to provide us with a loan estimate, leaving us in the dark and leaving us to fear what we thought from the beginning. The credits to use him must have been a bait and switch. We asked for the fees on numerous occasion regardless of the fact that as a consumer we shouldn't need to ask at all. The law protects us from loan sharks just like this but sadly Academy Mortgage still is not willing to comply with the law to disclose via loan estimate within 3 days. We are now left with no other choice but to protect our family and our dream house and go with a different lender. Causing us to lose our credit from the builder but at least we are now provided with upfront disclosure from a trusted company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06
Company: LDF Holdings, LLC
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I referred several people to this company prior to my loan defaulting. On XX/XX/2021 one of the individuals that i referred to the company applied for a loan. This individual is not a relative of mines, however is residing in my home temporary. The gentleman sent me a text message while he was at work indicating the following " They turned me down because you already had a loan with them and its in collections ''.

This individual SHOULD NOT be privy to my personal information!!! This individual do not know anything about my personal finances and should not have been informed by this company. This is illegal. I am not married, he is not my husband and I did not give this company permission to discuss my debt with ANYONE. I am going to file a lawsuit. I am embarrassed by their actions and feel violated and judged.

Additionally, why deny a person who have no connections to me legally because of a debt they don't have anything to do with. Isn't this illegal too.

I also recorded the conversation when i called and informed the employee that i was recording the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 2 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 3 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Equifax EQ # 1 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # 3 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # 5 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX XXXX # 1 XX/XX/XXXX sent, response recieved, XXXX XX/XX/XXXX, no changes XXXX # 2 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 5 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Once you have seen and read the multiple attempts utilized by me to correct the problems please hold credit bureau in question accountable for their willful disregard for the legal law I have afforded to me under my rights as to have negatives items deleted from my credit report. 

The credit bureau in question is also quite adept at responding to my multiple attempts to have them remove negatives on my report with answers to questions I have not asked them, while not addressing the issue I state in my multiple dispute letters. again Please Please don't allow them to get away with these deceptive ploys and misdirections. 

I as a consumer don't have the legal power and authority that you have. Again in closing please simply see read my attached documents for best description of my complants with credit bureau in question. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
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: Their investigation did not fix an error on your report

Complaint:
XXXX # 1 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX  # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX  XXXX  # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX   # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Transunion TU # XXXX XX/XX/XXXX sent, response recieved, XXXX  XX/XX/XXXX, no changes TU # 2 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes TU # 3 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes TU # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes TU # 5 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Once you have seen and read the multiple attempts utilized by me to correct the problems please hold credit bureau in question accountable for their willful disregard for the legal law I have afforded to me under my rights as to have negatives items deleted from my credit report. 

The credit bureau in question is also quite adept at responding to my multiple attempts to have them remove negatives on my report with answers to questions I have not asked them, while not addressing the issue I state in my multiple dispute letters. again Please Please don't allow them to get away with these deceptive ploys and misdirections. 

I as a consumer don't have the legal power and authority that you have. Again in closing please simply see read my attached documents for best description of my complants with credit bureau in question. Thank you.

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 2018-05-11
Company: Experian Information Solutions Inc.
State: OH
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 filled a dispute with EXPERIAN, regarding that an account that is showing on my credit report that I did not authorized to be open. 

The account is XXXX XXXX XXXX XXXX, and EXPERIAN came back saying this is a valid account but did not provide an Affidavit of Debt or documentation that I actually opened the account. The other two credit reporting bureaus removed the account because they were able to verify that this was 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 non-monetary relief
Consumer complaint received 2018-05-11
Company: RoundPoint Mortgage Servicing LLC
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to RoundPoint Servicing Corp for loan servicing before my 2nd payment ( last XX/XX/XXXX ). I tried setting up a bank account for payment, it took multiple attempts as they kept losing my submitted forms and/or bank account information. I then wanted to make biweekly payments, which required an additional form and bank information ( same bank, same account number, etc ). Well they lost it again multiple times. I went on the prepay {$5000.00} of principal on my mortgage. I called to inquire as to why my biweekly payments had not started, and they told me in order to do this, I had to be ahead on my payments by one month. Simple math people. That {$5000.00} payment knocked about 50 months off my mortgage. I opened an account with a local bank and added that bank to my online account at RPS. Several times I have tried to make this account my primary payment method and this has gone on to be ignored. I have called and chatted online with representatives who consistently tell me different things, including today. The representative ( XXXX was her name, I took screenshots of this conversation ) informed me that now there will be a billing issue because I have 2 bank accounts for this loan. Despite this, she was not willing to fix this. She flat-out refused to fix this despite knowing this is going to be an issue. All these issues and not one person has been able to assist me in resolving this or making payment easy and with options promised. I have repeatedly requested the simple option of biweekly payments and have repeatedly provided whatever documentation they have requested. I requested a supervisor contact me and as of this writing they have not called. Every contact I have had with RPS has been a hassle. It seems they go out of their way to be a problem. They go out of their way to not be willing and/or able to help. I have been nice about this, I don't get ugly. I have seen other similar complaints online and I wanted to get this out there for others to see. I will not be buying a house with a loan that uses RPS for servicing. I will also be researching on which regulatory authority to complain to for 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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed a dispute with the credit reporting agencies in regards to alleged identity theft on my credit reports pursuant to section 605B of the Fair Credit Report Act. I never received any notifications in regards to the investigation results and still have yet to receive any 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 2021-07-14
Company: EQUIFAX, INC.
State: DC
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 reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. 

I have been a victim of identity theft fraud. I have no idea of any of these negative accounts. 

I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In trying to resolve a disputed error on my credit report with XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX, MN for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry of 60 days back in XX/XX/XXXX as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX XXXX and TransUnion and creditor directly. On XX/XX/XXXX, I submitted this directly to CFPB Agency and they have confirmed and received documented information re ; this dispute from XXXX XXXX XXXX XXXX Iowa and XXXX XXXX XXXX XXXX, MN that they were not able to verify any late payments and the inaccuracy reporting on my account should be removed by all credit bureaus.

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 2020-05-11
Company: EQUIFAX, 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:
The Federal Trade Commission has stopped a student loan debt relief scheme, alleging it bilked more than {$23.00} XXXX from thousands of consumers with false claims that it would service and pay down their student loans.XX/XX/XXXX XX/XX/XXXX - The University XXXX XXXX ( XXXX ) and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} XXXX to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, XXXX!, XXXX, XXXX, ... 
XX/XX/XXXX - XXXX XXXX XXXX will pay a record-breaking {$5.00} XXXX penalty, and submit to new restrictions and a modified corporate structure that will hold the company accountable for the decisions it makes about its users ' privacy, to settle Federal Trade Commission charges that the company violated a XXXX FTC order by deceiving ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I recieved multiple calls from a Commonwealth Financial Systems , Inc. before XXXX and after XXXX  CT on multiple occasions as well repeated calls to relatives from XXXX, XXXX, XXXX XXXX, XXXX XXXX. These appear to be from Commonwealth Financial Systems , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Circle Internet Financial
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a money wallet on circle.com, I tried to deposit my money and they're saying that my money is being held. I tried contacting them and they replied with the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: WLCC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2018 I made a loan on XXXX XXXX XXXX and did read the hole loan details for 700 buck I read it today and it said It was over 700 % interest

Company response to consumer: Closed with explanation