BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
credit reporting company needed a copy of my driver license and ssi card so i am providing a copy of my all affidavits

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dates XXXX, XXXX, XXXX, XXXX, I have disputed Case number XXXX, Case number XXXX, I even mailed the court, the credit bureaus stated this account was filed with to see how this was verified on my credit and I have their response stating they dont verify with credit bureaus thats a third party resource. I am very disgusted that a third party is responsible for inaccurate information placed on my credit a long with the credit bureaus. I have a letter included a long with the person I believe this account belong to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with XXXX XXXX XXXX. 

Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Company: Home Point Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im writing this letter in hope you could intervene and get Home Point to properly review our loan for assistance options. The issue started in XX/XX/2017, when I was injured while on the job. Up until this point, I had a dependable salary, XXXX. 

After the accident, I was assured workmans comp would help while I was focused on recovery. Unfortunately, they were difficult to work with, and I eventually had to take them to court to cover even the medical expenses. I, of course, had an emergency fund but this was exhausted by XX/XX/XXXX. 

During this time I did what I could to keep myself afloat. When I first contacted XXXX XXXX XXXX, they set me up with a forbearance, which I was grateful for. Sadly, when it came to the end of the year and I could get back on track, no one at the bank would speak to me. When I finally received correspondence, I was shocked to learn that I am now in danger of losing my home. 

It has been a difficult year, with the injury, rehabilitation and associated medical expenses that I had to pay out of pocket. My workmans comp case is now in meditation, and will be resolved soon. I started receiving XXXX XXXX payments late last year. The last step is to get my mortgage back in good standing, which I have been trying and would like to do. I need a reasonable, affordable payment plan. Home Point refuses to help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credit bureau is in direct violation of the GRAMM-LEACH BLILEY ACT also XXXX XXXX compliance.

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 2020-04-27
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Attention Credence Resource Management , LLC I am hereby DISPUTING your claim on behalf of XXXX XXXX XXXX. 


Your Reference # XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$340.00} Closed XXXX XXXX XXXX account Due to Lack of Service Signal and Repeated Dropped Calls I Never received your Collection Notice that XXXX XXXX XXXX claims I owe this amount {$340.00} NOTE # 1 I called your I office on XX/XX/XXXX, when first became aware of this XXXX XXXX XXXX claim when my Credit score was adversely affected. Your agent told me that XXXX XXXX XXXX had sent the claim to your office on XX/XX/XXXX and that you had sent a letter dated XX/XX/XXXX to my office address. 

I never received this letter. As you are well aware that due to the current Coronavirus Pandemic and Stay-at-Home Orders, offices and business are closed and mail has not been forwarded. Furthermore, you never contacted me on my phone or by text to inform me of this claim. 

Furthermore, under these current circumstances, you rushed in and filed a DEROGATORY reporting to the Credit Agencies on XX/XX/XXXX and then again on XX/XX/XXXX a second time, even after I had informed you on XX/XX/XXXX, that I was disputing this claim by XXXX XXXX XXXX. 

NOTE # 2 Regarding this XXXX XXXX XXXX Mobile Phone number XXXX account : 1- I opened this account on XX/XX/XXXX - have been a good customer for over 13 years. 
2- Closed account on XX/XX/XXXX DUE to lack of Signal Service and repeated Dropped Calls since I moved my residence and office to different locations. 
3- At the time I closed the account with XXXX XXXX XXXX , I was informed that there would not be any more additional charges and that I had already paid off the current balance. 
4- On XX/XX/XXXX I called XXXX XXXX XXXX as to why I received another bill and I was told by the agent that I had been auto generated. When I disputed this as to why it was NOT prorated was informed only a supervisor can correct it. I was also told that since I had been a loyal customer for over 13 years, that this should not be a problem. 
5- I was also told that if any issue remains then a supervisor would call me within 32 hours. I never received a followup call from any supervisor, to this date. Therefore, I assumed that this issue had been resolved and that I did not owe any balance due. 


I am hereby requesting that the Derogatory Reporting to the Credit Agencies be Removed. 


I Do NOT owe this amount and was NOT informed as to this XXXX XXXX XXXX claim. 

No second Notice or any phone calls and NOT even Text Messages were received by me regarding this claim. I still maintain the same Mobile Phone number I had with XXXX XXXX XXXX. 

Please inform me as to your actions regarding this urgent matter. 

XXXX XXXX Same Cell Phone # XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
It is being reported that I had three 30 day late payments from XXXX, following two 60 day late payments from XXXX. Additionally it was reported that I had 2 60 day late payments in XXXX, when there were two on time payments made in XX/XX/20 and XX/XX/20. Additionally there were a XXXX day late payment reported after two 60 day late payments reported in XXXX. This sequence of on time and late payments are not Possible. There is no possible way to have an on time payment followed by two 60 day late payments. This payment skipped the 30 day supposed late payments and further damaging my report. Delete 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
Consumer complaint received 2020-08-19
Company: Aargon Agency, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX has been trying to collect 2 amounts they claim were owed by me personally to XXXX XXXX XXXX XXXX. The record from my credit reports shows this detail : Collection amount {$54.00} Original amount : {$50.00} Went into collections XX/XX/XXXX Collection amount : {$57.00} Original amount : {$53.00} Went into collections XX/XX/XXXX While a Limited Liability Company I am a member of owns a property at the address provided - XXXX XXXX XXXX XXXX, XXXX, NM, I never personally had an account with XXXX XXXX XXXX XXXX for that address, and to my knowledge neither did the LLC that owns it since it is a rental property and the renter always had the account. Further, I have no way of receiving mail sent to that address. As I was trying to investigate it and remove it from my credit reports ( which are otherwise without blemish and I have an excellent score ), I found that 1. No bill was over received by me from the original creditor ( XXXX XXXX XXXX XXXX ), 2. It appears that out no such bill exists as the collection agency also does not have a bill ( I believe it is illegal for an agency to try and collect a supposed debt they don't even have a bill for ). They were only able to provide a statement which actually shows a balance of {$0.00}. 

Today they have called me yet again, and when I asked them to provide the original bill for the collection she said she did not have it and very rudely told me to contact XXXX XXXX XXXX XXXX for that. When I pressed her if she has in her file any valid proof of the collection amount, she abruptly hung up on me. She has hung up abruptly at least on one other occasion. 

I can only guess that a renter owed money to the XXXX XXXX   XXXX XXXX, and in trying to collect it from the renter, the renter gave them my name claiming it was somehow the landlord responsibility. XXXX XXXX XXXX may have thus created an account and may have sent a bill to the address of the property, which, again, I have no way to receive mail for this address and it is not my mailing address or the address of the company which owns the property. I want to emphasize that this is only a guess of what might have happened, as I have no proof or a way to investigate it. 

I believe this is an illegal and invalid collection on several fronts. I actually don't care about the expense involved - it is relatively minimal - but I shouldn't have this collection on my record whether paid or not.

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 2020-04-27
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
mid west recovery system put a debt on my XXXX  alling and under XXXX XXXX XXXX for XXXX that is not my debt, lately not sure what is happenening i am getting debts on my credit report that belongs to someone else, this carelessness, people should be accuratle putting informaton on the right person file, please take this off, i am fixing my credit and want this removed the address is XXXX XXXX XXXX XXXX XXXX XXXX, missouri, XXXX XXXX  # XXXX XXXX XXXX XXXX. Please have this removed asap. They entered this debt today i try to call today and they hung up on me twice. In the pass you have help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
It is being reported that I had three 30 day late payments from XXXX, following two 60 day late payments from XXXX. Additionally it was reported that I had 2 60 day late payments in XXXX, when there were two on time payments made in XX/XX/20 and XX/XX/20. Additionally there were a XXXX day late payment reported after two 60 day late payments reported in XXXX. This sequence of on time and late payments are not Possible. There is no possible way to have an on time payment followed by two 60 day late payments. This payment skipped the 30 day supposed late payments and further damaging my report. Delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There is a transfer of {$11000.00} and I have no clue how it got on my account nor any clue on who did but I am aware I do not have access to the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Two complaints regarding my mortgage servicer Amerihome Mortgage.

1 ) They have yet to release the overage of my escrow account balance despite the fact that I prepaid my 2nd installment of property taxes on XX/XX/XXXX. I have contacted them on XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX. I have requested this for nearly 30 days now.

2 ) They continue collecting {$7000.00} in property taxes despite being provided evidence that my annual property tax bill is {$6100.00}. My property has already been reassessed and supplemental tax bills have been paid.

Therefore, I believe both the balance they are holding, and the amount they are collecting to be in excess of what is allowable. I would like for this to be confirmed by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my XXXX  report XX/XX/2020 I seen a collection for XXXX  XXXX  for a XXXX XXXX account for {$340.00} I disputed the account but they said they verified it Ive never did any business with either one of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: SYNCHRONY FINANCIAL
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a problem with PayPal and Synchrony Bank. I was angry over late fees charged that were as much as the amount that I paid off in full at the time. PayPal and Synchrony Bank are colluding in deceptive practices. I paid off my " Current Balance '' and immediately closed the account. Synchrony Bank is claiming that there was a bill pending on the same day, however, that amount was already included in my " Current Balance. '' Synchrony Bank has now screwed up my credit over a {$9.00} charge that I refused to pay because it was already paid. I finally paid them that amount plus phony interest charges of {$1.00} a month on a {$9.00} balance. 135 % interest rate? I receive a statement from PayPal that shows " All Activity '' on my account which shoes {$0.00} balances nor for 3 months. This is a total Scam and it's dropped my credit score 30 points because of their deceptive practices.

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 2020-07-27
Company: General Motors Financial Company, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern : I leased a vehicle from XXXX/GM whose corporate offices are listed as General Motors Corporate Office,  XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, Texas XXXX, and had them deduct the payment from my checking account. Due to an accident on XX/XX/2019, the leased vehicle mentioned above is totaled and my insurance company XXXX paid off the value of the car shortly after the accident. A payment of {$210.00} was withdrawn from my account on the XXXX of XX/XX/2019. GM Financial claims that this overpayment was refunded on the fifth of XXXX. This is not accurate. Months later, after countless hours of calls, in XX/XX/2019, I forwarded my bank statement from XXXX to show that no money was received from GM Financial. After a few months, I finally received my overpayment of {$210.00}. 

GM Financial failed to close the file and notify the credit bureaus of the fact that I owe nothing. On my credit report, it still shows an outstanding balance over 350 days past due. Even though I havent owed anything on this account for more than 17 months. 

I have already gone through hell with them trying to get my money back. How long will it take to fix these problems without your help? I want them to close my file and notify the credit bureaus. This companys incompetence is costing me my credit rating and the ability to get loans, especially now that I am trying to refinance my home. 

Every time I call, I get the runaround. Again I called on XX/XX/XXXX, after 45 minutes and the customer service rep speaking to the supervisor, she told me my case had to be transferred to another department called the Consumer advisory section, This is ridiculous. I was supposed to receive a call today, XX/XX/XXXX, and still nothing. Could you please help me? 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a federally protected consumer and Trans World Systems Inc. has violated me under the provisions of 15 USC 1692. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Goodyear closed account due none use of available credit ; contacted and explained that system does closing automatically. However, never notified either electronically or US Mail ; no notice in any prior agreements of this practice, furthermore, I fine this practice to be Discriminatory based on the system review of XXXX score and or other identity profile information such of Race and Veteran status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: BARCLAYS BANK DELAWARE
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: Problem with personal statement of dispute

Complaint:
During the month ofXX/XX/XXXX, I submitted a request for a Goodwill adjustment of my credit reports. The Adjustment was denied. My adjustment was based on the fact of my wife XXXX XXXX  on XX/XX/XXXX. The late payment was reported along this time frame as well. The missed payment was an inadvertent error on my part due to the dilemma I was in at the time. The payment was made current immediately and the account has been paid in full prior to terms of the agreement. I honestly feel my request was reasonable and I also feel that this creditor is being unreasonable in this instance based on the circumstances aforementioned.

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 2020-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a primary account with capital one that belongs to me. I am listed as the individual account holder. I was added as an authorized user to another capital one account. Now I have two hard inquires from capital one. I did not give permissible permission to authorize this inquiry and it isnt for my own account that I applied for. I disputed the inquiry but not the account since I did not provide or authorize another hard inquiry. Since then the card is now closed and I still have both capital one hard inquires on my credit reports which I am working hard on my credit and do not need an extra inquiry. I am getting no help from anyone at this point. My individual primary account that I did authorize on XX/XX/2020 and I am not disputing this account it is mine which I am the individual primary account holder. The other account which I am only an authorized user on is dated XX/XX/2020 which I disputed. I cant get help getting this second inquiry off from capital one after explaining the situation - since being added as an authorized user there should be no inquiry for this. I did authorize the initial inquiry for the account that is mine but not for the additional which by law should not be on my credit reports since its hindering me from other credit opportunities. I am in desperate need for help since Ive tried everything to get the AU hard inquiry off my credit reports. This is inaccurately reporting which is against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-25
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Since XXXX Ive called numerous of times to pnc. Pnc has charged me and over charged me every month since XXXX. Also says they can charge me daily overdraft fees up to {$96.00} a month. The last two months Ive not been able to pay one bill for the direct deposit I get in. The bank has taken well over half for fees. My husband been diagnosed with XXXX since XXXX and pnc is making a killing for charging me fee after fee. Then one of the calls a employee said I needed to get a job and learn how to use my checking account. When Ive been off taken care of my husband and trying to stay afloat then another employee told me how many fees been reversed and telling me Im out to get free money.

Company response to consumer: Closed with monetary relief