BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Equifax team, Please remove the following unauthorized, fraudulent inquiries from my consumer report, As I DID NOT give my permissible purpose per section 604 of the FCRA. Upon removal of these inquires please send me a copy of my consumer report reflecting the changes. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DEALER SERVICES XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a collection account with XXXX XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove the collection from my credit report and they did but now I just received a copy of my credit report and the collection is back, I called Experian and they told me they will remove it again but nothing has been done. Please remove the collection account from my credit report.

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 2018-08-01
Company: SN SERVICING CORPORATION
State: NE
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX our mortgage was sold to XXXX XXXX XXXX. We made payments to XXXX. In XX/XX/XXXX we were contacted by SN Servicing stating that we owed {$140000.00}. XXXX showed on our XXXX XXXX an outstanding balance of {$61000.00}. SN Servicing told us in the collection letter that we had the right to dispute any portion of this debt within 30 days or they would assume the debt was valid. We sent our dispute along with a Qualified Written Request for more information on XXXX XXXX. 
They received our dispute and the QWR on XX/XX/XXXX. To this date they have not responded with the information we requested. 
Now they have filed foreclosure for the disputed amount that they did not respond to validate their initial claim of {$140000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX 2017, I contacted Penn Credit Corp via certified US mail requesting verification of a debt appearing on all three of my credit reports. I never received any form of verification of the debt from Penn Credit. In XX/XX/XXXX /XX/XX/XXXX the account was removed from my credit reports. Sometime in the first weeks of XX/XX/XXXX Penn Credit Corp again placed this unverified account on my XXXX and XXXX credit report. I received no form of written notice to notify me that the account would be again reporting on my credit. Penn Credit is not following the rules and laws set forth by the FCRA. This disregard of the law has negatively impacted my credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: AmeriCollect
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed the collection through XXXX XXXX on my XXXX report. It was for a medical bill, I had no knowledge of this collection as I have paid all my copays and I have insurance. The debt they claimed I owed was {$75.00}. XXXX took it off my credit report after the company did not respond within 30 days of disputing. The company submitted another collection claim on my credit report but lowered the amount by {$3.00} to {$72.00} so it would show up on my report again. By doing so, it is now on my XXXX report for {$72.00} and on my XXXX report twice for {$72.00} and {$75.00}. This company is not following the law and are using fraudulent ways, lowering the amount a few dollar and resubmitting it to my credit report, after it was taken off my report for no response within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
For the 4th straight month XXXX  has inaccurately reported my account as late to all three credit bureaus ( XXXX  Experian XXXX  ) each month a investigation is launched and is found that XXXX  has yet again reported inaccurate information ( and each time they admit and apologize for the inaccurate information ) but this time they have decided that they were going to report the month of XXXX  as late even though that it was NEVER late and was never reported as late until XXXX  ( again was already reported as paid on time and current to credit bureaus until XXXX  ) this is VERY inaccurate as I have never missed a payment

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 2021-04-23
Company: Park Hill Holdings
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 XXXX  XXXX XXXX XXXX XXXX performed an extra hard-pull when I requested to have my boyfriend added to my existing least. I was informed that they would be doing a 'soft pull '. When I questioned the rationale for needing to perform a soft pull on my credit again ( after the original hard pull when I signed my original lease on XX/XX/XXXX for a XXXXr lease ) I was assured that a soft pull would be made, which does not have much impact on your credit score. After confirming again that it was actually necessary ( as the second supposedly soft pull was to be made only 7 months after the initial hard pull for the XXXX lease agreement ) I said 'ok ' so we could proceed. I felt funny about allowing another pull, even if it was supposed to be a soft pull but trusted the Property Management company was operating under professional ethics. Upon checking my credit report soon thereafter I made the discovery that a hard pull had been made again on my account ( dated XX/XX/XXXX ). 

Once I realized the hard pull rather than soft pull had been made, I attempted to resolve the matter, multiple times, directly with both the property management company XXXX XXXX. XXXX ) and through their hired tenant screening company XXXX XXXX XXXX XXXX XXXX. I was unable to resolve the matter using this approach. Today I logged on to XXXX again and inquired via Live Chat how I could go about disputing the mistake directly with XXXX. I was instructed to resolve the matter directly with XXXX  XXXX and/or XXXX XXXX XXXX. When I reported that I had already attempted to resolve with these companies, and what my options were, I was told that if I were to file a dispute directly with XXXX, I would receive a letter stating that my only option is to resolve directly with the entities who made the hard inquiry. So, I'm stuck. I am unable to receive assistance from either XXXX XXXX or Rental Property Solutions directly so I am seeking guidance now from the CFPB in hopes I can better understand and resolve the issue. As I begin looking to purchase a home, having the most accurate and timely information on my report is of the utmost importance. 

Thank you for your time and help with this important matter.

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 2018-09-20
Company: Experian Information Solutions Inc.
State: NV
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:
After a dispute a Negative remark was removed from a Experian Credit report but it was returned to 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 2018-08-06
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My son went to a XXXX on XX/XX/2018. They filed my insurance for the visit and my EOB showed that I owed them {$100.00}. I never got a bill for the visit but tracked it on a spreadsheet like I do all of my bills so that I know when the visit was and how much my insurance company says I owe. I waited and waited for a bill. Finally got bill # 1 with a statement print date of XX/XX/2018 with a due date of XX/XX/2018. There was no urgency to the bill- nothing that noted that this was an attempt to collect an overdue amount or that I was 90 days past due etc. Just looked like a routine 1st bill. I had not had a chance to even write a check or attempt to make a payment when I get a letter from a collection agency dated XX/XX/2018. The letter from Transworld Systems Inc stated that it was a courtesy notice from a debt collector and I had 30 days to dispute the validity of the debt. I called the XXXX phone number about the bill on XX/XX/18. I was told that the bill dated XX/XX/18 was my 4th notice and that 3 others had already been sent. I told her that was not true and there is no way that I missed 3 bills from them. I also asked why this current bill didn't show that I was 90 days past due and that if I didn't pay that it would be handed over to debt collection. There was nothing on the bill to indicate that it was past due or near collection. She said she had no idea why and that her system shows the 4 letters were sent it and it was my problem and very rudely wanted to collect a payment. I told her I would pay her. That I had a Health Savings Account and that I worked for an XXXX XXXX and track all of my bills on a spreadsheet and I had been waiting on this bill. She still continued to stand by the fact that is was my fault and there was nothing that they did wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 I noticed a negative report on my credit report. Midland Credit Management indicated that I owed them {$620.00}. I contacted them and stated that I never heard of them. I was told the original creditor was XXXX XXXX. I indicated that XXXX XXXX closed and wrote off this. However, I have plan on paying the balance off. I was informed that Midland Credit Management bought this debit from XXXX XXXX and I owed them {$620.00}. 

I disputed this debit with XXXX and XXXX and they found the amounts to inaccurate with Midland Credit Management. 

I was then sent a letter from Midland Credit Management for me to provide them proof of what I owe. Now I am receiving Pre-Legal Notifications in the mail I have reported Midland Credit Management to XXXX and you. I have also wrote them and told them, by Law they are to provide me with written statements of the original purchase, what is was for, how much and when and how they came to this amount of now {$620.00}. 

Companies buying old debit needs to be against the law as they businesses are harassing people and charging hundreds and thousands of dollars of what is actually owed. 

I want this to stop and my credit wiped clear of Midland Credit Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-02
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in bankruptcy which I filed in XXXX. I have spoken with the Clerk at the bankruptcy Court where I filed and she informed this debt was " Paid in full '' before the bankruptcy was dismissed in XXXX. I have informed Ally Financial of this and I have faxed the information showing " Paid in full '' to them which was provided to me by the bankruptcy Court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX we ( my wife and I ) opened a fixed rate second mortgage with First Citizens Bank for an amount of {$67000.00}. The terms were 4.74 % for 15 years. This account has always been in good standing. ( loan request summary attached ) On or about XX/XX/XXXX I called First Citizens Bank to acquire a HELOC for an amount of {$150000.00} for home improvements. On XX/XX/XXXX a representative from First Citizens informed me that they would approve us for {$75000.00} with an adjustable rate of prime minus 0.26 % for a period of 25 years. We accepted those terms and signed the HELOC loan documents on or about XX/XX/XXXX. The closing statement ( attached ) clearly showed that {$15000.00} was paid to me directly and there was {$60000.00} in undisbursed funds. 

When I contacted the First Citizens representative for instructions on how to receive the funds, she sent me a screen shot of her computer ( attached ) showing we already had a balance due on the HELOC of {$66000.00}. When I asked her how could that be, she said they paid off the original second loan balance of {$51000.00} with proceeds from the new HELOC. 

ON XX/XX/XXXX I sent the email below to First Citizens representative, XXXX XXXX ( XXXX ) XXXX Ext. XXXX Phone " You are going to have to show me something in writing, either from one of your emails, or the on the closing documents that shows that $ 51,000+ of funds from the new heloc were to be paid to First Citizens to pay off the existing 2nd. The Disbursement Request and Authorization form states that {$15000.00} is to me paid directly to me by lenders check ( where is that, I do not have it ) and there is {$60000.00} in undisbursed funds. 

There is nothing in the loan docs that shows funds were to be used to pay off the original loan. '' First Citizens Bank did NOT have our permission in written or verbal format to close our original loan from XX/XX/XXXX. At no time did First Citizens Bank verbally or in written format inform us that proceeds from the HELOC would be used to pay off the loan from XX/XX/XXXX We now have virtually no funds for our home improvement project, ( which was already started ) and the fixed rate, 15 year loan, that we were four years into converted to a 25 year loan with an adjustable rate. 

First Citizens has not worked in good faith to fix this issue. The best they have offered, verbally, is to write a new loan for {$120000.00} for 25 years at 6.04 %

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a Cash App Cash Card mailed to my address in my name ; however, I did not open a cash app account. I received the card on XX/XX/21 and I contacted the company on XX/XX/21 to attempt to close the account and ensure the card does not get activated. The Cash App customer service number that I called asked for my email to be able to send me a link to submit my information to " deactivate '' the card. I told them I did not want to share any more information since they already had my mailing address, name, and now through my calling they had my phone number. They assured me that the only way to deactivate the card was to send me an email with a link. I declined this as it sounds like a scam attempting to get more information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
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 just opened a XXXX XXXX and noticed Derogatory marks from XXXX   XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have repeatedly asked Experian, by both online dispute and phone dispute, to disclose my current address as my current address on my Experian credit report. ( And, to delete all old previous addresses. ) Experian will not state my current address XXXX XXXX XXXX XXXX, XXXX, MA XXXX as my current address on its credit report. Instead, they list this address at the bottom of a very long list of previous addresses, with a former address at the top of this list, where they continue to send me mail, and which my former roommate continues to write on the envelopes " RETURN TO SENDER/NO SUCH PERSON AT THIS ADDRESS. '' Despite my former roommate doing this, and despite my complaints to Experian by phone and online, Experian continues to fail to use my current address as my current address ( and refuses to delete all other former addresses on their very long list ). Experian keeps my current address at the bottom of their long list of former addresses for me on my Experian Credit Report. This situation causes problems for me whenever an agency or entity relies upon Experian to verify my current address, as such recently happened with my XXXX XXXX renewal form. Because XXXX relies on Experian, and because Experian keeps using a wrong address for me, I was not able to renew my XXXX online, as XXXX XXXX 's summary of my renewal said I now have to submit to them " Proof of Residence. '' If Experian would have included my current address as my current address, instead of deliberately keeping my current address at the bottom of a long list of former addresses they refuse to delete, then I would not now have to go and manually submit proof of residence to XXXX XXXX, but now I have this xtra burden because XXXX XXXX relies on Experian and Experian wo n't use my current address as my current address. Attached is the dispute results I already received from Experian falsely claiming they deleted all the former addresses when they actually did not, as well as the current Experian Credit Report for me dated today ( showing a total of XXXX former addresses, with my current address at the bottom of this list ), and a copy of the result of my attempt to renew my XXXX XXXX online, showing they now want " Proof of Residence '' because the Experian address for me did not match my XXXX XXXX residential address I truthfully included on my XXXX XXXX renewal. Note I have resided at my current MA address for more than three years. I can not get Experian to correct this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
JP MORGAN CHASE XX/XX/XXXX-XX/XX/XXXX ACCOUNT WAS CLOSED AND IS BEING REPORTED AS A CLOSED FOR CAUSE-PURGE ACCOUNT WAS REOPENED XX/XX/ ACCOUNT WAS CLOSED IN A POSITIVE ASPECT ACCOUNT WAS CLOSED WITH PAYMENT TO PREVENT DEROGATORY MARKS, YET STILL REFLECTS NEGATIVE REMARKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX transferred my mortgage to PHH. I attempted to set up a web account with PHH several times - each time they stated that our loans weren't transferred in yet I should wait. On the last day that my mortgage was due for XXXX I was forced to make a payment by phone and was charged {$7.00}. I was told that I wouldn't be charged. I spent hours and hours on the phone with them and they will not credit my {$7.00} back. They took my XXXX payment by phone and say that is compensation but it is not compensation - by then I could have made the XXXX payment by phone. 

They are extremely difficult to deal with and do not even speak XXXX well enough to understand what I am saying. They will not credit my {$7.00} back. 

Now they deleted my loan from their system. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I believe that loans were predator. I need to have someone to review my loans. The balance from the initial loans has triple. I am not behind on the loans, and I would like to paid them off, but these figures appear to be outrageous

Company response to consumer: Closed with explanation