BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
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: Account status incorrect

Complaint:
Child support has been stopped on the account that I now have custody of my son. I am still being charged child support and am currently paying child support but credit reports show that I am either 30 days late or 150+ days late and it is currently hurting my credit score. There are inconsitancies regarding payments to the attorney general over the last 3 years. It is showing I am current one month then 90 days late the next month then no information for 2 months and currently in XXXX no information regarding payments with XXXX. Equifax shows I am current throughout XXXX until XXXX through XXXX and those months show 150+ days late. The incorrect reporting of payments from these companies are destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The account trying to collect a debt from me was involved in litigation and filed for bankruptcy under Chapter XXXX. I never took out a private loan with Career Point college or Under XXXX XXXX XXXX!! This has already previously been removed from my credit in the past but has somehow managed to pop up on my report again and has negatively impacted my hard earned credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, EQUIFAX MORTGAGE SER, XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
******Second Request********* In complaint XXXX after explaining why I had a difficult time understanding the results of the investigation conducted by TransUnion on or around XX/XX/2018, regarding three collection accounts ; I demanded a detailed description of the methods used to verify the information on my credit report. According to the FCRA when demanded a credit reporting agency must supply a detailed description of how they conducted their investigation. The FCRA also reported that failure to provide such information may be punishable by civil penalties. Instead of providing the demanded information, TransUnion opened another investigation. I did not request an additional investigation but rather a comprehensive description of how they conducted their investigation.

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 2020-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
From XX/XX/2019 through the present. I have been receiving communication from Capital One in Statements on Alleged debt that is owed. The Truth and Lending Act is intended to inform consumers of credit, and I have been deceived concerning the information in my consumer credit transaction. According to 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am the original creditor ; I am Protected as a consumer against the alleged debt 15 USC 1692a ( 3 ). According to 15 USC 1692e ( 11 ), Failure to disclose in the initial written communication with the consumer and also, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. According to 15 USC 1692b ( 2 ), Any debt collector communicating with any person shall not state the consumer owes any debt. According to 15 USC 1692b I never gave Capital One permission to send me statements. When sending statements Capital One can not state that such consumer owes any debt according to 15 USC 1692b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Although there are a number of reports and efforts made to XXXX  to resolve this major dispute they are not open to doing such. I can not contact them or speak to them through any of their so called assistance venues. The fact that XXXX XXXX XXXX reprts I was 90 days late on my repo that is a blatant lie. I worked with their own credit manager making payments until hospitalize. I owed XXXX. If they claim I did not make payments they never DID! I made them to him! As usual a waste of time with 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 2018-02-26
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I filed Bankruptcy on XX/XX/XXXX. However, XXXX is still listing companies as debts that appeared in my Bankruptcy such as XXXX Bank. It also listing XXXX XXXX  as a closed account when in fact it was paid off by XXXX XXXX in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
PennyMac Call Requests/Voice Servicing Call Requests provided to me were incomplete. 

Loan # XXXX Regarding CFPB Compliant XXXX previously filed. 
Missing - Pennymac did not comply with providing call logs specifically requested for and related to the following dates : 1 XXXX XX/XX/XXXX Spoke with XXXX 2 ) XX/XX/XXXX Transferred spoke with XXXX. 
3 XXXX XX/XX/XXXX Loan Mod Paperwork Request 4 ) XX/XX/XXXX XXXX XXXX. Spoke with XXXX 5 ) XX/XX/XXXX Spoke with supervisor XXXX  6 ) XX/XX/XXXX. Spoke with XXXX. 

My expectation is that PennyMac complies and sends me the above complete phone call/voice servicing logs that were missing from the CD sent to me. 

Additionally, the following call logs/voice servicing logs are a new request made XX/XX/XXXX via two phone call requests and two website messaging requests. Additional follow-up requests will be made today, XX/XX/XXXX, using PennyMac 's website messaging system and via email to XXXX. 

Pennymac has exhibited reluctance providing copies of phone calls/voice servicing logs, and answer questions related to the following dates, stating different requirements to fulfill ( such as going through online messaging or submitting a subpoena in order to request call logs ) 1 ) XX/XX/XXXX to XX/XX/XXXX a. XX/XX/XXXX XXXX at PennyMac transferred me to Modification Team b. XX/XX/XXXX Spoke with XXXX Customer Service. Transferred me to XXXXXXXX cXXXX XX/XX/XXXX XXXX transferred me dXXXX XX/XX/XXXX XXXX XXXX. XXXX with XXXX. Transferred me to loan mod dept ( XXXX? ) e. XX/XX/XXXX XXXXXXXX XXXX. XXXX with XXXX. Transferred me to loan modification dept. 

f. XX/XX/XXXX XXXX XXXX XXXX with XXXX gXXXX XX/XX/XXXX Spoke with Customer service. Transferred call to loan modification team. ( Spoke with XXXX? In loan mod dept. ) hXXXX XX/XX/XXXX XXXX with XXXX in escalation Unit. Transferred me to loan modification dept. 

i. XX/XX/XXXX XXXX with XXXX. Transferred me to XXXX in XXXX mod dept. 

j. XX/XX/XXXX XXXX with XXXX. Tx to XXXX. 

k. XX/XX/XXXX I spoke with XXXX at PennyMac l. XX/XX/XXXX XXXX XXXX. XXXX with XXXX at PennyMac Cust service My expectation is that PennyMac provide all of the new call requests, along with the previously requested call/voice logs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
PNC has been informed of 2 disputes in XX/XX/2020 during covid wherein my debit card was charged by XXXX ( {$30.00} ) and XXXX ( {$100.00} ) without authorization. The bank is unable to gather additional information from the companies causing the money to be fraudulently taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The loan is for a remodeled kitchen. The loan was entered into on XXXX, with first payment due XX/XX/21. The amount was $ XXXX with 7.6 % interest. 

It was communicated to us that the loan can cover any physical goods ( i.e. Kitchen Cabinets, appliances, etc ), and the work or the labor for the remodel. 

Cabinets were ordered immediately. They were approximately $ XXXX The cabinets first arrived in late XXXX, but a few were damaged. The replacement ones came in early XXXX. 

The first day of labor was early XXXX. 

During this time I have been charged interest on the $ XXXX. Even though from XXXX to early XXXX, no labor was performed. I expected to be charged interest on the $ XXXX for the cabinets but not the $ XXXX as no work had started. 

As we went through XXXX and as recently as yesterday, work is promised then cancelled ( usually without any courtesy cancellation call/text/email ). 

Delay after delay. No urgency. All the while I'm charged appx {$300.00} a month in interest, or {$2100.00} through XXXX. I feel I should only have been charged $ XXXX 7.6 % /12*6 = {$570.00} for the purchase of the cabinets. 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: ERC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't know what else to do, I have disputed these with the credit agencies and the collection companies. The information below is inaccurate, false and unverifiable and needs to be removed off of my credit file. Please help XXXX XXXX  XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX XXXX and unverifiableremove Balance : $ XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$330.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$870.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$450.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX - Duplication and unverifiableremove Balance : XXXX XXXX XXXX XXXX - Unknown and unverifiableI tried to verify and get no response Balance : XXXX XXXX XXXX XXXX - XXXX - says I owe {$220.00} but past due XXXX inaccurate and false and unverifiablebecause I have tried and got nowhereREMOVE Balance : {$220.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Barclays XX/XX/2018 there was a hard pull placed on this date they said they would give me a courtesy removal. I recently looked at my XXXX XXXX and this was still here. They said they would remove it from my file. I called up again recently and they told me best to fill it out here and that you guys would be better to fix 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 2020-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Capital One placed our account -- which has been in exceptional status, very rarely carrying a balance past a payment date -- into what they called " Restricted Status ''. 

When we called to attempt to determine the cause, they were unable to describe WHY they had done this. They proceeded to ask for highly sensitive personal information over the phone. We reluctantly obliged and then they asked us to send a photo of the back of our driver license for " proof of identification ''. These are EXTREME measures and we will not comply. 

They are polite, but remarkably unhelpful and they seem to be having an impact on our other financial institution interactions. We were unable to open a new savings account with another bank and it appears that this one account may be at cause. 

They will not remove the account from " Restricted Status '' without the highly personal data and we can not close the account unless that status is changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My signature was forged on a lease release agreement form. This form was sent to me by the XXXX XXXX group on XX/XX/XXXX to extend the lease beyond my intended moving out date. I was asked to sign this form many times but I declined. After I moved out, the XXXX XXXX group claimed I owed rent for an additional month. I disagreed, as I had never signed this form. They nevertheless assigned a debt collections agency ( I.C. System Inc based in XXXX XXXX MN XXXX ) to collect the supposed debt. When I requested the debt collections agency to verify the debt. they sent me the lease release agreement form. To my shock, they have forged my signature on the form with a date of XX/XX/XXXX next to my name. I can prove in multiple ways that this is not valid. For one, the signature looks nothing like mine. For another, I have email records from XX/XX/XXXX ( after the date that they falsified my signature ) from the XXXX XXXX group requesting me to sign the form.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-02-18
Company: TekCollect Inc.
State: NY
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:
TEK Collect Inc is reporting someone else 's info on my credit. Upon reaching out to TEK collect they informed me that someone received emergency room services under my social. They provided me the person 's name but I dont have any affililation with this individual. This is a fraudulent account for which I shoudnt be held liable. Please remove this collection from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Regarding : PNC Bank I received a letter saying that there was a shortage on my escrow account. The letter offered me the option to pay the outstanding balance ( shortage ) in order to keep my monthly payment the same or to increase monthly payment. I choose to send the one time payment in order to keep my monthly payments the same. I even submitted an additional XXXX payment to the principal. 
After I submitted that payment, PNC Bank still arbitrarily and without any notice increase my monthly payment by {$55.00}. XXXX so instead of paying {$3200.00} a month I am now required top pay {$3200.00} a month ). When I called the bank the staff who took the call, said the the bank can increase my monthly payment at any time. I ask to speak to someone else and I was put on hold for 46 minutes and then ended up leaving a VM hoping that someone will call back ( I am still waiting ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My insurance company XXXX XXXX failed to pay an emergency room doctors fee because of a clear misread of my medical coverage. After spending many months trying to resolve the issue with the insurance company and the medical biller, the outstanding bill was sent to XXXX for collection. On XX/XX/2018, XXXX  Account XXXX XXXX stated that the unpaid debt would be reported to credit agencies if not paid in full. XXXX was contacted by XXXX XXXX on XX/XX/2018 ( two days later ) to let them know the account/bill was covered and was going to be paid by UHC and not to pursue the matter any further. The XXXX representative who XXXX spoke to was named XXXX. On XX/XX/2018, XXXX sent XXXX a Explanations of Benefits document showing that the bill was in fact paid in full. On XX/XX/2018, XXXX reported the unpaid debt to XXXX  and XXXX. An XXXX representative stated that they are not responsible for correcting the reporting to the credit agencies. This uncollected debt now appears on my credit report. This is a clear violation of the FDCPA.

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 2019-05-31
Company: NCB Management Services Inc.
State: GA
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:
Never did bussiness with this company in the amount of {$10000.00}. I never did a contract with this company. i never heard of this company. They must have me mixed up with someone else. This is damaging my credit

Company response to consumer: Closed with explanation