BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-26
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
Since XX/XX/XXXX My credit began to loose points for unknown reason. I contacted EQUIFAX 10 times online, to know the reason of the lost. I have 10 confirmation numbers in proof of my requests. The last one suggested me to chat online. I have 4 transcriptions online saying, they can not help. I spent over a month trying to get an answer, but EQUIFAX customer service was unable to provided me with an answer. 
I run my credit on XX/XX/XXXX and my credit scores were correctly reported. I did again on XX/XX/XXXX ( I didn't requests any credit or did nothing financially that can be considered to lower my credit scores ) I requested 10 times in writing an answer online and called over 7 times. But I can show transcriptions that looks as games.. EQUIFAX customer service is one of the worst humiliating experiences I have in this area. Please help me, I need to know the reason why my credit is loosing points. I work very hard to keep an outstanding credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I called XXXX at XXXX XXXX XXXX XXXX as indicated in the Patient Statement they sent me. I spoke with Communications Manager XXXX regarding my bill for XXXX. After a lengthy talk, we agreed to a XXXX monthly payment to be charged to my credit card every XXXX of the month and such payment will commence on XX/XX/XXXX. On the same day XX/XX/XXXX, my card showed a transaction for XXXX which is against what we agreed on. 

XXXX has not shown good faith in dealing with me. I made several attempts to contact them since XX/XX/XXXX to settle the account. Despite the nagging thought that the charge was somewhat doubtful, I decided to just arrange a payment plan because I was still in recovery from my accident. However, their most recent act showed how they have been less than truthful in dealing with me. I am therefore, questioning the services rendered ( XXXX ) on XX/XX/XXXX which amounted to XXXX, not including the ground mileage ( XXXX ) for XXXX. I was in stable condition when I was moved from XXXX in XXXX XXXX, XXXX to University XXXX in XXXX. I want to know the details of ( 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 2020-11-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
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:
On XX/XX/2020, I entered into a forbearance agreement with PennyMac. Per the agreement, the forbearance was effective " immediately '' on XX/XX/2020. The forbearance ended on XX/XX/2020. On XX/XX/2020, PennyMac received a wire transfer for full payoff of the mortgage. As of writing this dispute, my credit report reflects a 90 day late payment for XX/XX/2020. I have talked to several representatives with PennyMac. They all are stating they have no record of submitting the delinquency to XXXX, however it is clearly there. This is unfair, unjust, and dishonest on behalf of PennyMac. I am filing this complaint to have the 90 days past due for this account deleted from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I went for annual physical at XXXX XXXX XXXX XXXX XXXX and was told that my insurance would cover the physical which has every prior and every since. When I went to this 'doctor ' it was obvious from the start that it was shame, I've never had a physical like the one I had at this place. I'm pretty sure the person who saw me wasn't a trained medical professional. A couple years after my physical I was sent a bill for {$480.00} and at that time I wrote saying I wasn't paying because they didn't provide the service they were supposed and I was told insurance would cover the cost. A few more years went by and they got COMMONWEALTH FINANCIAL calling me nonstop from a variety of numbers. The charge and service was fraudulent to begin with and now I have these guys calling me nonstop throughout the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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: Information belongs to someone else

Complaint:
The information I sending is about the fraud I found on my credit report I attach the list of the fraud information I found on 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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act Bankruptcy XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23
Company: Experian Information Solutions Inc.
State: ND
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/2018 I sent XXXX XXXX XXXX a letter requesting them to provide me with an originally signed consumer contract for an inaccurate account which does not belong to me from Fair Collections and Outsourcing # XXXX. On XX/XX/2018 XXXX XXXX XXXX signed the return receipt. A few days later they sent me a letter saying they investigated and the account is accurate which is incorrect. They have failed to provide me with a signed consumer contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-29
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX was my original mortgage company. The ownership of my mortgage was transferred over to XXXX XXXX XXXX XXXX XXXX. 
But they are not the servicer of my loan. The servicer is Specialized Loan Servicing LLC. The Loan was transferred XX/XX/2018. 
Since the transfer, I have not received a detailed statement ( escrow balance, payments made on my behalf, verification of homeowners insurance and property taxes paid ) or ANY statement for that matter. I have called several times only to be promised a statement to no avail. 
Not only do I not have any way to pay my mortgage without a statement, they want to charge me a service fee to pay over the phone! 
I have escalated this issue to the managerial level several times and have been promised I will receive a statement. I have NOT received one to date.

I am concerned that there may be some sort of fraudulent activity with this company.

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 2017-12-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
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:
In XX/XX/XXXX I purchased a service from XXXX with an automatic renewal three  years later - XX/XX/XXXX. The purchase in XX/XX/XXXX was charged to my XXXX XXXX XXXX. I cancelled the XXXX XXXX XXXX in writing in XX/XX/XXXX. I stopped using XXXX some short time after the renewal and forgot about it. In XX/XX/XXXX I received a bill for {$170.00} for a renewal of XXXX from XXXX XXXX. This was the first bill I had received from XXXX XXXX since I closed the card. 

I called the dispute department at XXXX XXXX and found out that my account had been left open because the terms of the agreement with XXXX were for an automatic renewal. I have spoken to XXXX and they may refund my money. I am writing this complaint to you because : 1. I do n't think that companies should allow charges to be made to credit cards that have been closed.

2. I think that companies who have automatic renewals directed to a credit card that has been closed should be obligated to get a new open credit card from the consumer before any charges can be made. 

The scenario that I have discribed above could go on and on. The customer could discontinue use of a service, move, never receive the bill from the closed credit card and accumulate charges that are unfair.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am a victim of Identity theft this is a fraudulent account and needs to be removed from my 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 2018-09-26
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Paypal would not let me delete my bank card. and their website doesnt work correctly most of the time! 
I wanted to purchase something through XXXX with an XXXX gift card. Someone through pay pal 's XXXX system, it tried to take the money out of my old bank account that I do not use anymore ( XXXX XXXX  ). As a result that bank gave me several fees totalling over {$120.00}!! And paypal somehow authorized the transaction and now say that I owe them money!! 
I was trying to use a gift card throuogh XXXX!! 
Pay pal, it is their fault the whole mess happened. 
And they never should have authorized that payment to go through and the so-called negative balance with a paypal account that I have no kNOWELEDGE OF!! 
PAYPAL SHOULD BE FINED FOR BAD BUSINESS PRACTICES, CAN NOT ACCESS OUR BANK INFO, AND CAN NOT DELETE OUR BANK CARD WHEN WE HAVE TO DELETE IT!! 
AND THEY NEVER SHOULD HAVE AUTHORIZED THE MONEY TO GO THROUOGH SO I OWE THEM MONEY?????? NOT!! I WAS GOING TO PAY THE ITEM THROUGH AN XXXX GIFT CARD, NOT PAYPAL!! I DO NOT EVEN HAVE A BANK ACCOUNT, THEY OWE ME AT LEAST {$120.00} IN BANK FEES!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-20
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Last year, XXXX XXXX, my wife lost her job. We contacted our mortgage company Ditech about mortgage relief in XXXX XXXX. By XXXX XXXX we were told they had all the documentation needed and it would be a 60 day assessment time to review with the underwriters if we fit into a mortgage relief program. After numerous calls and voicemails I filed a complaint here on the CFPB website on XXXX XXXX XXXX. Later that week we were approved and told to follow the documentation provided by Ditech to enter into a trail phase of 3 months of a relief mortgage rate. The trial period would be three payment one in each month of XXXX XXXX, XXXX XXXX and XXXX XXXX. After that, we were told that they would finish processing the mortgage relief paperwork and finalize the process. It is now XXXX of XXXX, a full year since we entered into the relief program and it is still not resolved after multiple phone calls all we are told is that they will mark our account for it to be reviewed quickly. It is very apparent that they are dragging their feet in hopes that we can not keep making payments and allowing the debt to collect on the account so they can collect a larger fee or we will be forced into foreclosure. Please help us get this resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX Acc # XXXX I have been disputing this account for over a year and i have ask for verification of this account they send me nothing back not a contract nothing from that specific bank always come back as verified and nothing else my last letter Ive ask for a fair investigation about the account or else i was going to file a complaint i got the same response account verified they dont tell me how its verified or send me nothing back a contract something with my signature on it

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 2020-01-29
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account with Navy Federal Credit Union was recently permanently restricted on XX/XX/XXXX without any notice. I was advised the account was restricted due to a loan descrepancy. I have had my account for over 1 year and it has been in good standing without any problems. I am disappointed that my account was restricted without notice and no additional information given to submit an accurate appeal. I am sponsored by my sister XXXX XXXX who is a veteran as well so my membership should not be in question. I had just recently applied for a credit limit increase and line of credit which were both approved and have not had any issues with my account since its inception. I had over {$5000.00} in my account which had to visit the branch several times and speak with the security team for them to release my funds. I had just paid my credit card account off in the amount of {$2500.00} right before the bank decided to close my account. No one from the security department has given me any information as to why my accounts have been restricted. They have been very evasive in their answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citibank is charging me a {$25.00} per month service fee. I should not be charged this fee based upon my combined balances. I have already called Citibank about this fee. They have admitted it is a mistake in their systems ( my accounts were not " linked '' ... even though they are linked ). They seem to be able to correct their system error and I have to call customer service every month to get the fee taken off. No one seems to be able to fix the underlying system issue

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 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by som bad peoples on the internet. Having these False and misleading inquiries reporting to my credit report is hurting my credit and is hurting my ability to purchase a home for me and my kids. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my kids a big house with a huge back yard for them to play in. please handle this matter quickly. I have included a list of all inquiries and accounts that I did not authorize below along with the dates. please remove asap ok? 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 
15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX XXXX a copy of an identity theft report ; Please remove all the accounts listed :

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 2020-09-03
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: Investigation took more than 30 days

Complaint:
I sent a letter to the credit bureaus more than 30 days ago and received no reply. I sent a follow up letter and received no reply.

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 2018-09-26
Company: Experian Information Solutions Inc.
State: FL
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:
Attempted to validate alledged debt with XXXX XXXX Acct # XXXX with all 3 bredit bureaus and they failed to provide the proper validation documents requested. On top of that the information on the report in regards to the alledged debt is very incorrect. 

I can point out the the ORIGINAL CREDITOR was XXXX XXXX and it also states that the account is in collections with a collections agency. If that is the case, under the guidelines, the balance reported should be {$0.00} ; which it is not on the credit reports ( a snip is attached for you to review ). 

Also, a validation letter came from a company called XXXX XXXX who claims they now own the alledged debt. Also in the letter they provided a copy of the bill which states the amount due is only {$1700.00} and on the credit report it is different along with the amount that shows on their validation letter. None of this information matches up and the line item needs to be taken off immediately. 

XXXX XXXX or XXXX is a third-party debt collection agency based in Florida. XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including improper contact or sharing of information and threatening to take actions that can not legally be taken. 

As of XX/XX/2017, the XXXX XXXX XXXX reported 508 closed XXXX XXXX complaints over the previous few decades, including 231 closed complaints over the past 12 months. Nevertheless, the XXXX   provides XXXX an A+ rating. Additionally, XXXX lists 37 XXXX complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, eight alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act.

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 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I can not dispute item and my report has duplicates where they pages are repeating themselves and appears to be very long

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