BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: EQUIFAX, INC.
State: MT
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 had a fradulent credit card opened in my name back in XX/XX/XXXX. I saw this when I pulled credit report. I immediately reached out to XXXX XXXX cc and asked them to close the account. I contacted all three bureau and supplied them with fraud affidavit, law enforcement report, proof of identity and letter of explanation. XXXX and XXXX responded emediatly and blocked the information. 
Equifax, has been a completely different situation. I faxed them all the supporting documents for this claim ( same ones I sent to other bureus ). I have had zero effort put into this from Equifax. The first one submitted was returned as no account found. The second time submitted, They targeted my auto loan through XXXX XXXX auto services and this time, they have lost documents and or say, they didn't get them. I have refaxed them several times. 
On XX/XX/XXXX I faxed all documents and did a fallow up call two days later to make sure they received them. I was told I needed to resend them with correct account number on law identity theft report. I was told, once I got that to them It would be removed / blocked. 
I immediately redid my report and double checked account number to make sure it was correct one and sent information again. I was even told by Hand ( agent with speciality department ) that they were waiting for that and to make sure I noted on the cover page, account number for fraudulent card, name, phone number and note that this was a additional peice of documentation for block. I did all that and fallowed up a couple days later on XX/XX/XXXX to make sure they received them. I once again was assured that this item was being blocked but just had to wait the 4 - 7 days to be processed. 
I pulled my report on XX/XX/XXXX and seen it was still there!! So I called Equifax back and was told numerous things - it was blocked - to was being investigated ( even though it was varified as fraud by Equifax ) and had been investigated already. 
- I called back later that day and was told they didn't have updated affidavit with account number, even though I was told by previous 3 representatives, that they had it with AC number on it. 
- called back the next day after I researched my documents and fax receipts.I was then told they were going to block it but the proof of identity and affidavit were to dark and read able. 
Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice for Proof of Claim Account : Southwest Credit System, LP  BAL {$420.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was  manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill,  or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I purchased an item from XXXX in the amount of XXXX including expedited shipping. The purchase never arrived. I emailed company on XX/XX/XXXX and XX/XX/XXXX with no response. I then attempted to dispute the charge with Simple XXXX on XX/XX/XXXX. I have done everything humanly possible to get a credit from Simple ; emailed them multiple times with supporting documents, used XXXX and XXXX, and multiple calls have been a wait time of over two hours. According to their timeline, they have still not begun the investigation process despite their claims of good faith temporary credit. My problem is with this bank as I have had multiple problems including a 5 business day hold on the federal stimulus check amongst others. I have been attempting to get in touch with them in one way or another and they have not been to look at the problem despite their saying they contact you after they receive the dispute. Its been two weeks since I filled this dispute and a month of being without my money or item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I REACHED OUT TO TRANSUNUION, XXXX AND XXXX ON BEHALF OF SOME ACCOUNT THAT I ASKED TO SEE PROOF OF THE DEBT. 
ATTACH YOU WILL SEE AN AFFADAVIT THAT I I MADE WITH THE FTC THAT SHOWS THE ACCOUNTS.

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 2021-05-05
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got suspicious emails that I think is someone trying to impersonate Advance America & I have attached them below & a letter in the mail asking me for debt to be paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
The accounts below are more than 8 years old and should be deleted from credit report. 

1. XXXX XXXX XXXX Last reported XX/XX/2020 {$4900.00} Reported balance 2. XXXX XXXX XXXX Last reported XX/XX/2020 {$26000.00} Reported balance 3. XXXX XXXX XXXX Last reported XX/XX/2020 {$3500.00} Reported balance

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 2021-05-24
Company: I.C. System, 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:
On XX/XX/2021 I C SYSTEMS added a derogatory mark on my credit report per XXXX and XXXX but not XXXX Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor ( XXXX ) did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, I C SYSTEMS has violated my rights as a consumer and I'm requesting legal action to remove this account 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 2018-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
TransUnion reporting collections debt over 7 years old

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 2020-10-15
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just filed a complaint ( # XXXX ) against PPH Mortgage on XX/XX/XXXX regarding lost payments and here we go again. The complaint was closed on XX/XX/XXXX with the late fees being reversed. I just received my XX/XX/XXXX mortgage statement from PPH Mortgage Services ( PPH ) ( f/k/a Ocwen Loan Servicing ) and saw that there was a charge for a BPO in the amount of {$110.00}. I called PPH customer service ( XX/XX/XXXX ) to ask what was a BPO was and why this expense was being added to my account. Customer service explained that it was a Broker Price Opinion but could not explained what it was or why it was being applied to my account. ( BPO, means, a real estate professional looks at your house to give an opinion on the value of your home. ) There is no need to have a BPO done on my home. It is not in foreclosure or bankruptcy. Customer service, stated that it would take XXXX days before I could get an answer which was not good enough. I have an XX/XX/XXXX mortgage with PPH. The BPO fee was applied to the 2nd mortgage ( as if I would not see it XXXX, and not the main mortgage. I feel like this is harassment and retaliation for filing the complaint with the CFPB because PPH could not get the late fees for XXXX and XXXX, so now they are trying to add an unjustified illegal BPO fee. During this COVID-19 pandemic, homeowners can barely pay their mortgage and to add unnecessary fees is just highway robbery. I have paid my mortgage every month, and unfortunately, I need to take certain precautions in dealing with PPH. Apparently, PPH does take any complaints from CFPB serious because they turn around and try to gouge consumers with unjustified fee. Attached also is the delivery receipt of my XX/XX/XXXX payment in case PPH claim that they did not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year 2017, I notice that XXXX XXXX XXXX was reporting several collections on my credit report. I have disputed these accounts several times directly with the credit bureaus, they responded that the collection agency has verified the accounts as belonging to me. However I have not received any physical proof of how these accounts were proved to as belonging to me despite my numerous request. Disputes directly to the credit bureau were sent XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 and as of date no physical proof of how these accounts were verified were sent to me. I even went further to contact the collection agency directly and request validation of debt as of date this company has failed to respond to my numerous request and also continuous to consistently report negative and inaccurate information. Request for the debt to be validated was sent via certified mail XX/XX/2017.

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 2020-12-15
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I made a purchase of almost {$2000.00} in XX/XX/2020 with my Apple credit card! As i was expecting for a minimum due amount to be posted to my account for me to pay the balance in installments it didnt happen, instead they posted the whole XXXX as the minimum due amount and i have to pay it in less than a month, I called them to request for a less minimum amount so that i will be able to pay it gradually! They refused. I asked for the account to be closed immediately to stop it from future transactions. Then i took advantage of the coronavirus payment relief to push back my due date and i paid the full balance on XXXX of XX/XX/2020! My due date was XX/XX/XXXX. They charged me for {$15.00} claiming that i made a late payment though their statement shows that it wasnt late! I called them to ask what that {$15.00} is about, they waived it when they figured out that I paid the balance before the due date, meanwhile they reported to the credit bureau on XX/XX/XXXX as closed account with balance of {$15.00}! I called Apple to dispute the report and they said we will update it next month ( XXXX ) nothing was updated! I called again, they said its getting updated, nothing happened in XXXX, then I called in XXXX and they insisted that I must pay that {$15.00}! I showed them that there was no late payment and they even waived it because it was unnecessary charges since I paid before the due date! They insisted that it was an interest charges because of the late payment and the computer generates that information! Anyway the lady pushed me so hard to convince me that i made a late payment though she clearly saw on the statement it wasnt late and it was waived! So my concern is for that balance to be updated and reported to my credit bureau as paid and closed account with XXXX  balance but that hasnt been happening and its been almost 4 months! I wouldve kept quiet if the account wouldve been open but I closed it because of that bad experience and theres no way for closed accounts to be updated monthly! So they will just forget about my account since its closed and the balance will stay on it forever! This is what my complaint is all about. Thank you very much and will be waiting for your response, Im also ready to provide with any information that you request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a serious situation on how did my Mother 's Name Get removed off her Mortgage statement? In 2012, my mother passed away and I was the co-borrower on on home mortgage.At that the XXXX XXXX was the Loan Holder.I submitted my mother 's death certificate to XXXX XXXX and her name was removed off the mortgage statement.When I submitted the death certificate I was not listed as the Power of Attorney on the Death certificate.I kinda felt something wasn't right because soon after the loan was sold to Penny Mac mortgage company.What I am trying to find out is how am I liable for a loan of my deceased mother and I am not the Power of Attorney on her death certificate.This seems like they sold the loan and removed her name and the death certificate never transferred to the next mortgage companies the purchased the loan.It Seem like her death was used as financial gain.Please look into this Grave matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have applied for a credit card with HSBC bank to obtain their HSBC Cash Rewards Credit Card. I received and started using the card in early XX/XX/2018. A few weeks after using the card, it stopped working at stores and gas station. I contacted the number on the back of the card, I waited for over 30 minutes for a representative and wasn't able to get a hold of anyone. I tried multiple times and was not able to reach anyone. I was able to talk to someone on their online chat through their website, www.us.hsbc.com and they told me my card was suspected of fraud and they gave me their number to their fraud department. I called and had trouble getting a hold of anyone there also, and anytime I was able to get a hold of someone, they would transfer me to another department, I would wait over a hour sometimes and then the phone will just hang up. This has happened multiple times. 

I have spent {$150.00} on the card before it was frozen, and I was and still am not able to pay it off because of the suspected fraud. I talk to someone on the online chat and they could not do anything, they just told me to call their fraud department and they had to unlock my account. And I was even able to pay of my card until that happen. Then, my HSBC card was charged with a late fee for not paying the card. When I complain through the online chat, they said they could not do anything until I call their fraud  department in which I can not get a hold of anyone. I looked up on XXXX if anyone else has a similar experience as me, and it appears as dozens of people, over a hundred people have had the same exact problem with their card being frozen and then not being able to get in contact with a person. ( Link : XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX never reports accurate information. This time is different. The balance they reported was the highest balance that I let the account have and was no where near the closing or reporting date. 
I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. I spoke with XXXX and I was told nothing could be done. I requested the corporate phone number then was transferred to XXXX, a manager, same response until I was transferred to XXXX in the corporate office. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have {$0.00} balance on both of the cards I have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Reported by TransUnion XX/XX/2018, Got notified by XXXX XXXX an inquiry by XXXX was made using my identity. I am kindly contacting you because I did not personally make or authorize this inquiry. I contacted XXXX and they advised me to follow instructions on website and submit a request to have this hard inquiry deleted from my credit information. Thanks in advance

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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize.

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 2020-07-03
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
i sent out a letter to the 3 credit agencies over 30 days ago and still havent recieved a response and by federal law the agency has 30 days to respond or the account must be deleted.

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 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
i sent out a letter to the 3 credit agencies over 30 days ago and still havent recieved a response and by federal law the agency has 30 days to respond or the account must be deleted.

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 2021-05-05
Company: Hiday & Ricke, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Went to a recorded audio and video meditation hearing in which the debt was written off and dismissed in a recorded audio and video meditation hearing.

Company response to consumer: Closed with explanation