BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-09-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I reviewed my credit report and I keep being asked about a mortgage and other things that I am no where affiliated too. Specifically an address is XXXX so now I am afraid that there has been a breach somewhere.

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 2018-12-18
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have not had any credit accounts for years. I basically used cash for all my transactions. Recently I decided to buy a house and I had to build my credit to do so. I pulled my credit and notice a lot of activity on there that I did not know about. On the advice of a friend, I ran my information to see if my profile was leaked in a data breach and it was. My credit report should have been blank, but there are several items that I need to remove before I can move forward with my aspirations to become a homeowner. These items include incorrect addresses, phone bills, utilities bills and an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: PA
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:
Over the last 2 years I have been dealing with the harassment of XXXX. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. XXXX has violated my privacy. They are a third-party intervener and are in trespass of the private name, XXXX, XXXX ( creditor ) dba XXXX XXXX and her private information. XXXX qualifies as a volunteer, stranger, or intermeddler. XXXX, XXXX XXXX XXXX, XXXX XXXX at XXXX. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. Henningsen v. United States Fidelity Guar. Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal. App. 3d 1092, 1098, 223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & Surety Co., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ). XXXX purchased the account referenced above from US DEPARTMENT OF EDUCATION N.A or another third-party junk debt buyer. Therefore, they are, according to Chief Justice XXXX XXXX of the US Supreme Court, in direct violation of the COURT of COMMON PLEAS OF PHILADELPHIA COUNTY PENNSYLVANIA, COURT OF APPEALS FOR THE SEVENTH CIRCUIT ; HEINTZ v. JENKINS 514 U.S. 291, 2, and in jeopardy of fraud by mail for attempting to commit felony conversion and attempted theft of Respondents property for which restitution will be sought. At this time, they have set forth two ( 2 ) predicators of the three ( 3 ) needed to begin a Racketeering lawsuit against them and the other firms listed in the paragraph. Also SELLER : US DEPARTMENT OF EDUCATION N.A. They have placed the above-mentioned firm in the untenable position of aiding and abetting your fraud by mail attempt mentioned in the preceding paragraph. I have no contractual obligation with XXXX. Therefore, any action taken by XXXX is considered aiding and abetting fraudulent activity. I demand to see a certified, notarized copy, under penalty of perjury, of the purchase agreement between XXXX, and the above-mentioned creditor. Also! XXXX is not licensed to collect debts in the state of Pennsylvanian Pursuant to Pennsylvanian STATUES 7311. Unlawful collection agency 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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-06-23
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Called chime customer service today and verified my direct deposit information and reviews paystub to see if all information is correct and it is and has been changed in employer system two weeks ago and no direct deposit available to my account today. There solution is to be patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: ENCORE CAPITAL GROUP INC.
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:
I received a Garnishment Letter from my employer that a Judgement had been made against me and that I owed {$900.00}. The letter stated that my income would be garnished and any correspondence in regards to the matter needed to be addressed to the clerk of court. The problem is I had already received a garnishment of my wages in regards to this debt in XX/XX/2009 or earlier and have paid in an excess of {$800.00} which was deducted from my wages. The garnishment ended and I gathered the debt was paid off. I received a letter of a refiling of court proceedings and ten years later they are garnishing my wages for this old debt. I have received no correspondence from Midland Funding LLC about this debt and have no knowledge of why I would owe them any amount. I also believe that the amount indicated in the court document is not accurate to the original debt amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The complete short sale documents were sent originally to PNC on XXXX but then the POC said that we need to opt out of the DIL first and so we did and we were advised to resend the short sale documents - resent on XXXX. They then requested for missing documents on XXXX and we were able to send them on XXXX. Then on XXXX, they requested for another set of documents and those were submitted on XXXX. And then lastly, they requested for the same documents on XXXX so we resubmitted them right away but until now we still have not heard of an update or progress on the review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2019-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 I attempted to buy a flight ticket from a company called XXXX from XXXX to XXXX XXXX. The amount was approximately {$320.00}. When I viewed my Bank of America Checking account it showed a charge to a company called XXXX. Bank of America thought this was fraud so they blocked the payment. However, the money still came out. I knew this because of the balance total in my account before the removal was Approx. {$2000.00}. An adjustment was made to the account in the amount of {$320.00} however the balance never changed back from {$1600.00}. Instead, all of my transaction histories scaled back to show a different amount going back months. So now the {$320.00} just magically disappeared from my account. When I attempted to reach out to them I was put on hold for over an hour 5 times and every time I would get a representative they would evade my questions and then just eventually start telling me that there was nothing they could do and hang up on me. Not once was I able to even address the issue due to the way their customer service would treat the call. Not a single individual in 3 days was able to even begin to listen to my issue because they won't even go that far. It seems as if they are aware that they have done something with the account and now will do nothing to rectify it. Furthermore, they deleted all transaction history related to this situation. Not only did this mess up my trip because the tickets are no longer available but now I have to rebuy the tickets for {$500.00} and I lost the {$320.00}. I am United States Service member stationed overseas I should not have to deal with this type of behavior from an American corporation. Completely ridiculous!

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 2019-11-02
Company: CITIBANK, N.A.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
My wallet was stolen on XX/XX/2019. I started receiving messages about potentially fraudulent transactions while I was driving home from work that evening. When I parked and checked my purse ( approximately XXXX XXXX. that day ), I found that my wallet was missing. I notified my credit card issuers immediately that evening. There were XXXX charges on my Citibank credit card that were initially reversed, but then posted again on XX/XX/2019. These were a charge at the XXXX XXXX in the amount of {$2600.00} and a charge at XXXX in the amount of {$220.00}. I did not incur either of these charges - they resulted from the theft of my wallet. 

I spoke with a fraud investigator from Citibank and also sent them a copy of the police report I had filed with the XXXX Police Department on XX/XX/2019. I was not informed that the charges would be reinstated but found this when reviewing my account information online. The " dispute '' function usually available for transactions was not available for these two transactions.

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 monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXX I pulled my Consumer report and I am showing Transunion Credit Reporting agency is reporting 7 inquiries from companies I did not authorize nor recognize.They are violating federal laws 15 USC 1692g ( debt validation ) as they never validated the debt with the original creditor. They have violated 15 USC 1681 ( Consumers Privacy rights ), they have also violated FDCPA. They are reporting inaccurate information on my consumer report hindering me from obtaining credit for a car. I sent certified mail demanding removal on XX/XX/XXXX and they have failed to respond. According to federal laws they have 30 days to respond and are outside of the response time window. 


15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation. 

I demand removal of the misinformation being reported without my consent. They are also invading my privacy which is against federal laws.

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 2021-04-06
Company: EQUIFAX, 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:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Stolen identity fraud account open in my name XXXX XXXX  XXXX also known as XXXX XXXX Opened XX/XX/17 Account number XXXX Amount XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/2022, I sent a letter to US Bank regarding check # XXXX for {$1300.00} written on XXXX XXXX XXXX at the XXXX, Ohio location. 

I asked the Teller to distribute the {$1300.00} in the following manner : 1. {$1000.00} for Mortgage 2. {$240.00} Escrow Shortage 3. {$50.00} Credit Card 4. {$20.00} Extra Principal What he did was applied the following : 1. {$1000.00} for Mortgage 2. {$50.00} Credit Card I went back to the Bank and was told that locally they couldn't do anything. 

I sent the letter inquiring about what could be done and followed with a phone call. As a result, I was bombarded with telephone calls and correspondence regarding Loss Mitigation from US Bank. I was even assigned a Counselor!!! 

Unfortunately, the matter in which I was seeking assistance with was never addressed by US Bank.

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 2019-04-17
Company: Experian Information Solutions Inc.
State: AL
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:
Apparently someone with a similar name to mine filed bankruptcy in the XXXX XXXX XXXX Alabama, and it appeared on my credit report. Through the dispute system I recently filed a dispute stating that someone with similar name had filed this public record and it was not mine. Unfortunately, it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases.

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 2021-09-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PennyMac loan servicing company is committing fraud. I have completed all three of my home loan modification process trial payments. PennyMac Loan Servicing Company ( Bank ), stopped my FHA loan modification process, placed my payment on the back end of my home loan and sent a notice stating partial payment. PennyMac Loan Servicing Company is pretending like I was not in a modification trial period, pretending like I did not submit any documents to them and proceeding with my foreclosure. PennyMac is taking advantage of the Covid-19 crisis and demands and housing market crisis. They are lying to the courts too speed up foreclosure, stating I did not respond for mediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: TRANSWORLD SYSTEMS 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:
In XXXX XX/XX/XXXX, I was informed that 'I ' defaulted on a private student loan taken out back in XX/XX/XXXX. The remaining balance was XXXX dollars. I paid the balance, but my credit report never reflected a paid-in-full status. I called the company multiple times, but they refuse to update the information. 

At the same time, they claimed I defaulted on another loan with a balance of about XXXX. This loan showed an origination date back in XX/XX/XXXXas well. The records they sent me indicated the loan was placed into deferment without my consent or knowledge when I went to graduate school in XX/XX/XXXX, and it was only after I graduated in XX/XX/XXXXthat they approached me about the default status in XXXX XX/XX/XXXX. These documents also showed that they were not the real party of interest since they couldn't prove ownership after they purchased the loan from another originator. Yet, this item remains on my credit report after they closed the account with a collections/charge-off status, stopped reporting it, and sold it to another company that does not report this to the bureaus. The company refuses to remove the item. 

The company is XXXX. I've disputed this with XXXX  and XXXX  multiple times, but they refuse to update the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I have done my research I know the credit bureas have 30 days to reply back and they haven't I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Due to that law I researched, I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. I am begging for help at the moment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, never gave us time to submit packet for modification, and short sale consideration and foreclosed on our home on XX/XX/2022. Please advise what options we have at this time...

Company response to consumer: Closed with explanation