BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The information in my credit file is inaccurate. there are several months that I'm listed in collections " C '' when I was not. I was only ever required to pay {$15.00} per months and at times paid more when able. In addition, in XXXX I made a settlement agreement to pay {$1400.00} instead of {$1500.00}. In XX/XX/XXXX I paid the agreed amount in full. I only have two open accounts and this continued error has been detrimental to my credit rating. 

The inaccurate months are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 2022-04-03
Company: Glennon Law Firm, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Bank and their law firm Glennon Law Firm LLC are threatening to sue me in the court of law for an alleged debt. I have notified XXXX XXXX many times over several years that I do not owe them any money and I was a victim of identity theft. I have sent them FTC documents proving this but they are ignoring me and are very persistent in collecting this fraudulent debt. I am a federally protected consumer and my rights under the FDCPA are being violated. I am being harassed and abused. I had a sheriff show up to my home to serve me court papers stating that I may be sued over this alleged fraudulent debt. I am considering suing XXXX and their law firm Glennon Law Firm LLC for harassment and abuse defined under the FDCPA. This debt was not mine. XXXX XXXX sent me a bunch of Account Statements to try and verify the debt is mine but that is not sufficient in the court of law. They have yet to show me where I physically signed any contract or have a physical person witness me apply for an extension of credit. Anyone could have stolen my identity and falsely pretended to be to apply for a card in my name. I also asked XXXX XXXX to show me where I was given a right of recession. Pursuant to the Truth In Lending Act, all consumer credit transactions must be given a right of recession. Although this alleged debt is not mine I was also never given a right of recession. This is a violation of the Truth In Lending Act. I demand that XXXX XXXX XXXX Bank and Glennon Law Firm LLC stop attempting to collect this debt and relieve me of all responsibility. I also demand that they report the accounts as paid in full on my credit consumer reports with no late payments or simply remove the account because they are in violation of the Fair Credit Reporting Act as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, INC.
State: CO
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 have tried 4 times to get the credit bureaus to remove accounts that are in violation of my rights and I have yet to get 1 reply from any of the 3 Bureaus and the accounts remain on my credit report. The accounts are collections and they either are reporting the account as an " open account '' have listed a past due amount as well as they are reporting me late 120 days. These are all FCRA violations to be doing any of these things on a collection account and they refuse to remove them or even reply to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: EQUIFAX, INC.
State: TX
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:
There are XXXX unknown accounts reporting and I need help because Equifax does not respond. There is an account ith Syncb/CCDS XXXX and Syncb/DISC XXXX. These are accounts that I am unfamiliar with and Equifax wo n't send me information showing me true validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Experian Information Solutions Inc.
State: TX
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 sent this company precise information regarding my disputes. This company has failed to research the information that I have provided them. This company has not did an accurate investigation. As a consumer I think that I was treated unfairly which has affected my credit score. Each dispute I have been very detailed in providing information to the investigation. This company has failed to research and investigate properly. I also requested a XXXX verification and this company has failed to provide me with the XXXX verification. This company is not even reading the disputes that I sent in. There has not been a thorough investigation therefore all of my actions have been in vain. I asked for the XXXX verification and they have failed to provide me that information. During the investigation they have not been verified any written information they only have did everything through email but nothing through the request of information that I have sent them. I have one company that I do n't have their own information from they refused to investigate that. The companies that I have a dispute on they have not provided me any verifications even though some of them are charged off I do n't know if they 're accurate or correct but they 're hurting my credit score.

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 2022-04-03
Company: Block, Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was a victim of fraud and identity theft. The company and person that was part of the scam and fraud caused me and other victims to have their money submitted and used for a business transaction. The person was my online boyfriend but also a business associate for an investment. The online boyfriend was not real but a scammer who defrauded other victims to. I filed an identity theft report as my personal information and identity had been compromised. I was frauded for over {$40000.00}. I attempted to file a chargeback dispute and submit my identity theft report with Cash App and the advocate refused to allow me to do so. I also tried to submit my identity report with CashApp and they refused to accept it from me and require the police department to so. I asked the police and they recommended I submit it because they are not required to. 
Cash App is in violation of the transaction banking act and refusal to do an investigation and accept my identity theft report and the Fair Credit Reporting Act as required by federal law. I am a victim of a scam and CashApp is required to follow procedures and allow a chargeback of all her transactions. 
Cash App has all of my information on the chat log of all my disputes and stopped me from finishing because they did not want me to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I want to get paid for my damages my kids pictures and my hacked emails and no one tells me nothing yet. For my bashed name

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 2017-10-25
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My FHA mortgage loan is currently serviced by Chase Bank. Chase Bank claims that the total amount past due is {$21000.00}. The alleged claim is for XXXX payments. Chase Bank has refused to process my loan modification, refusing to issue any written statements, approvals or denials. Chase Bank is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have applied for a loan modification on numerous occasions and Chase Bank has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Chase Bank is in clear violation of the False Claims Act ( FCA ), XXXX XXXX XXXX - XXXX, since they knowingly withheld information and reported false records to a Federal Government Agency. Chase Bank also has an obligation to process the loan modification with transparency and clarity per the XXXX Mortgage XXXX of XXXX. Chase Bank has refused to cooperate and is threatening foreclosure action. Based on the violations listed herein, I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: CITIBANK, N.A.
State: TX
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:
XXXX XXXX I charged XXXX at XXXX XXXX XXXX XXXX after making a return for XXXX I was on my lunch break and in a hurry.. not sure if I left me card inside, in the machine slot, dropped it out of my hand inside store or outside the store .. I realized I didnt have it when trying to go through a drive through for a quick lunch ..., so the last place I used it was XXXX ... I immediately freaked out..so I called them and they said someone turned it in ... I went back and got it..it was out of my possession for Mabey 10 min or so..when I got statement next month I saw a charge for XXXX ... I never spend that a XXXX store and could easily be verified by looking at my XXXX spending history on my statements. I immediately realized someone must have used my card in those few minutes and then turned it in..I called and reported it to Citi Cards and they shut down my old number and I had to get a new card and redo all my automatic payments ... .which is a very inconvenient. But worth it because that person could have took a screenshot of my card before turning it in ... someone did not due their due diligence about this claim. I have never had a credit card company treat me so bad. It was a representative named XXXX XXXX. Who made the decision not to validate my claim ... he said that if the merchant gave me my card back if was on them .., I said XXXX , Citi Bank , nor myself made those charges ... but Citi Bank is my credit card holder and is suppose to protect me from fraud. XXXX never makes a claim to protect me in case of fraud ... I am very dissatisfied and disappointed in Citi Cards and Citi Bank. I have been a good customer for several years.

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 2022-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I notice collections on my credit reports from Port Folio Recovery. I have attempt to dispute these charges several times with all 3 credit bureau. They can not submit any documentation with my signature or my address to me I have requested. This is not my account. I did not benefit in no way from this account. This was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Credit Technologies, Inc.
State: VA
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:
There are several inquiries on my report that I do not recognize. I am certain this is fraud related as I have already put a security freeze on one of my reports from the credit bureau in hopes to stop this from happening over and over again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello : Our family owns a home in XXXX, NM and our loan currently has PMI. We have paid down the principal and are now at 78 % XXXX. 

PNC services our loan. After we reached out, PNC sent us a letter saying that we are required to pay them XXXX XXXX which PNC owns jointly with XXXX )  {$590.00} for a XXXX Single Family appraisal because the loan investor requires proof that the property has not declined in value. 

What we would like to confirm is whether we actually need the appraisal. Per your efforts with XXXX XXXX, we read on your site/ comments that " Servicers must end a borrower 's requirement to pay PMI when the principal balance of the mortgage reaches 78 % of the property 's original value. '' We could be missing something but since we have it in writing that we have a XXXX of 78 % this would imply that PNC is responsible for ending our requirement to pay PMI. Again, we know our understanding of the subject is elementary. 

The process of removing PMI seems unbelievably heavy on a customer. We can not even imagine how much money is drained from our economy each year as a result. What bothers us more is that banks/ servicers turn a solid profit either way by setting up a toll booth which forces borrowers to pay them/ their subsidiaries large high-margin appraisal payments. Luckily, our family can afford this ( it will be tough to stomach and actually pay but we can if we have to thankfully ). Our fear is that for many who are arriving at this step ( hopefully they are even aware ), the appraisal price tag at 78 % could be a massive barrier to removing a large needless expense from their monthly budget. 

Again, we understand we could be missing some things but if you have any guidance for us it would be very much appreciated. Please let us know if you have any questions. Thanks in advance for your time and all you do and stand for at the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
PLEASE SEE ATTACNEMent fha emails me today and states it was not there decision to decline my loan application that has been in process since XX/XX/XXXX! XXXX the manager has lied and stated this was huds decision when it was NOT, caliber never pulled my credit, caliber does not know my credit score, caliber has not YEt replied nor told me what it is I really need to close out my loan! Caliber sent me a denial letter XX/XX/XXXX stating they denied me to sue to credentials, never probes or said what those are, caliber has had my loan application opened for almost a year! Caliber did not act out of good faith! I have showed caliber court documents to remove the ex boyfriend ordered by a judge and they are not understanding the a judge order is final, what do I have to do really get my lawyer involved & end up in federal court with you caliber home loan, youve failed me as my lender and not one have I defaulted in my mortgage payments! I just wanted to Refinance my house for a lower intrest rate, never asked for a cash out,,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is NOT a duplicate complaint. 
I called your office ( CFPB ) and was told this may be most effective. 
I am submitting this new complaint because I fully disagree with Capital One 's response ( I also attached ) to my other complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I paid to view all three of my credit reports and found a lot of hard inquires that are fraud and I don't recognize on my TransUnion report. Please validate all the hard inquires and delete the ones that are fraud.

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 2022-04-03
Company: Experian Information Solutions Inc.
State: NY
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 reporters act. XXXX  account # 's below 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. 

XXXX XXXX XXXX XXXX  XXXX account : XXXX XXXX. XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account : XXXXXXXX XXXX XXXX XXXXccount : 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 non-monetary relief
Consumer complaint received 2017-10-25
Company: EQUIFAX, 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:
My name is XXXX XXXX. This is a formal complaint against Equifax for refusing to remove someone else 's collection account from my credit report. The account is with XXXX XXXX XXXX and actually belongs to a woman named " XXXX XXXX ''. The account number being reported is # XXXX and the original creditor of the debt is " XXXX XXXX XXXX ''. I have never lived at these apartments nor at the related address listed on their records. Ever since this XXXX when I discovered this was on my credit report, I have been fighting tooth and nail with this XXXX woman 's collection company trying to have them send me supporting documentation to validate this is really mine. They were really hard to deal with but at long last, they recently sent me a supporting document which clearly proves this is not my account. It is a move out statement which states this debt is for " XXXX '' XXXX. My name is XXXX XXXX, I am a man, not a woman. A couple of months ago, I also filed a Consumer Financial Protection complaint directly to XXXX XXXX XXXX and they kept referring to me as " XXXX XXXX XXXX. '' I am attaching that communication as well that shows they think they are talking to a woman named XXXX, not me. Most important of all, this move out statement I am attaching is from XXXX. I was living in New York in XXXX and did not move to XXXX Florida until XXXX. My only Florida addresses that should be showing up on my credit are my XXXX, NY address and then the XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have never lived at the address listed on their document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On three separate occasions I have tried to obtain an unsecured line of credit from Huntington Bank XXXX XXXX, Ohio. In XX/XX/2021, my request for {$11000.00} was rejected. In XXXX, I made another, smaller, request from XXXX -- this time for {$10000.00}. That application was also rejected. Not only that, the bank did not extend any type of counter-offer despite my specific request for one. 

As a normal part of the application process, Huntington Bank requested my credit score. My credit score is XXXX ( out of a maximum XXXX ). This score ranks me higher than 99 percent of all U.S. consumers. 

The bank 's official reason for denial is that my income is too low and my debt load is too high. My gross income for FY 2021 was {$34000.00}, very close to the U.S. median individual income of {$35000.00} ( Federal Reserve data ). My total outstanding debt is less than {$14000.00}, which is far below the national average of {$90000.00} per person ( source : XXXX ). 

I have spoken by phone with one of the bank 's underwriting managers. Huntington is unable to articulate a credible reason as to why they would deny credit to someone whose credit history ranks better than 99 percent of all Americans, and whose total debt is a small fraction of that of the average person in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have contacted TransUnion and let them know that I have two accounts reporting on my credit that are not mine. The fraudulent accounts are listed as US Depart. of EducationXXXX and XXXX XXXX XXXX. There is also one inquiry from XXXX that I did not do.

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 2022-04-03
Company: Maximus Education, LLC dba Aidvantage
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Aidvantage is in violation of my consumer rights as a natural person, original creditor. 
15 USC 1692e 15 USC 1692f 15 USC 1692j

Company response to consumer: Closed with explanation