BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Reports have confirmed that the XX/XX/XXXX began affecting XXXX XXXX in the fall of XX/XX/2019. I myself became ill in XXXX and I used all my accrued leave. I was fired from my job and all this while trying to pay mortgage and other bills. My mortgage with PennyMac is currently in forbearance and they are still reporting it delinquent. I have stayed in communication with PennyMac and Ive inquired about ways to make the delinquent payment. PennyMac refuses to help me. They have said that the payment will not be applied. I dont know what else to do. I am at my wits end. I need help with this creditor. I want my account status to no longer be reflected as delinquent and I am happy to make the 1 delinquent payment in order to make that happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: MARINER FINANCE, LLC
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:
Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : 1XXXX OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
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: Their investigation did not fix an error on your report

Complaint:
there is fraudulent XXXX XXXX XXXX account reporting under my equifax reporting, and i have been disputing this inaccuracy for almost a year and half, but this inaccuracy equifax is not helping and is persistent that it must stay under my name, please i need your help to fix this inaccuracy, this is the only inaccuracy that i reporting only on equifax credit, and no one else was this stubborn to help me. 
equifax has been very much stubborn and unwilling to help, please i will be attached my police report received from XXXX police department, and the FTC report i filed online, i have submitted both to equifax several times. 
please help me i have suffocating and unable to even rent a place thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have been out of town and when I got home and opened my mail, there was a Chase debit card in there saying my new Chase debit card is here. I dont bank with Chase. I dont have a checking account anywhere ending in those four numbers. I called Chase spoke to about 3 different people. Chase told me to contact you. Coincidentally this same thing is happening to a friend of mine. Same small town and we frequent the same places. Theres no date on the letter. It could have been sitting at my house for several weeks. Maybe even a month or more. I tried to activate it thinking it had something to do with the IRS as per the recording from Chases customer service. I couldnt activate it so I called Chase and here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I spoke with XXXX  and they advised they have no reference of the alleged account that Enhanced Recovery is reporting. I have attempted to contact the creditor and the number is none working.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/2020 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 feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-17
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/2020 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 feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: DISCOVER BANK
State: NY
Product: Credit reporting 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, Discover 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: BBVA FINANCIAL CORPORATION
State: WA
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:
On XX/XX/2020, I had {$4500.00} fraudulently withdrawn via ACH from my primary bank account at Simple. I subsequently found out three accounts ( two at XXXX and one at XXXX XXXX ) had been opened in my name, and took steps immediately to report fraud on those accounts and have them frozen. 

I discovered this on XX/XX/XXXX, and had to wait to report it until the XXXX as the bank was closed for the XXXX XXXX holiday. I filed a report with Simple and signed an affidavit stating the {$4500.00} ACH withdrawal was fraudulent and that I did not authorize it. The bank stated they would submit an ACH dispute on my behalf. 

Since that time, I have been provided no updates on the status of the dispute despite me requesting such, the only timeline I have been provided is XX/XX/XXXX. The bank has told me they will not authorize a provisional credit or a credit for the amount stolen. 

I am on Day 9 of this issue with no end in sight and correspondence from Simple not being satisfactory. I have requested that Simple provide me copies of their correspondence with ACH regarding the dispute, including but not limited to time and date stamps to clue me in as to what exactly they are doing to help me, a loyal customer.

As of right now I have had to take one day off of work in the middle of a busy season to deal with this issue. I have taken steps to freeze my credit, put a security alert with XXXX and move my remaining money to a different bank. 

Please help me recover my {$4500.00} from Simple. Their customer service has not been satisfactory and they have offered no protection or recourse from this fraud incident that has drained my account of a significant amount of money that I have earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2020 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 feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 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 feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-03-12
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 have been a victim of identity theft and I have tried to have the items blocked from my reports. Each bureau is reporting different accounts which is also against the FCRA. There are several account on my report that do not belong. I have also submitted an Identity theft report.

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 2020-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 customer service

Complaint:
I called bcuz I saw a charge that I may or may not have made. The CS agent refused to request a copy of the receipt before filing a fraud dispute. He refused to do it for me specifically, in his exact words.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-05
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter ( Dated XX/XX/XXXX ) from National Credit Systems out of XXXX XX/XX/XXXX about an alledged debt I owed to XXXX XXXX XXXX. I respoded with a certified letter on XX/XX/XXXX disputing the debt, I asked them for proof of the debt, and I also asked them for information about their company ( are they a licensed debt collector, do they have a license to collect debts in the state of XX/XX/XXXX and if not what state are the licensed in and what authority do they have to collect in the State of XX/XX/XXXX) To this date they have not answered my requests for information about their company. They have proceeded to make multiple calls to me ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) even after the first phone call I informed them I would talk to them only once every 30 days and that I am requesting any correspondence be in writing. I have now sent 4 certified letters to their company requesting the information and they have not answered my request for company information. I have disputed the debt with every letter they have sent me and I have informed them I will not provide any information until I know they are a licensed collector authorized to collect in the state of XX/XX/XXXX They have refused to provide this information and have now reported to the credit bureaus, even though this is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
Company: EQUIFAX, 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:
After looking at my credit report i noticed several frivolous fraudulent unkonw inquiries on my equifax credit report .i attempted to contact all of the companies in my report. However the information required by The FCRA to be on the report. Was clearly not on the report, they have no address, phone numbers, account numbers, or any references. one cant attempt to proclaim innocense or proof and right the wrong. I contacted all of them through myown investigationtThat is unlawful the customer requires information for due process. I was never notified. I have fraud alert and a police report on file. Indicating im susceptible to fraud please call. I got no calls and so many inquiries on the same day did not alert them either. I have credit monitor also.FCRA was violated my rights as a citizen and privacy act was taken. I want these inquiries that are fraud to be deleted at once. They are not mine. They are not accurate or verifiable, validate them. Due thorough investigation and send me new report reflecting the fraud and grotesque mistakes. We are entitled to due process. Dont infrinqe on our rights. Violations will have to be compensated {$1000.00} rach under section 617. Wet ink signatured contract of consent needed for proof of permissible purpose. 
XXXX XXXX XXXX XXXX and XXXX. 
XXXX XXXX XX/XX/XXXXXXXX. ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX ) ( XXXX XXXX ) (XX/XX/XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting 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 writing to address a late payment charge on my account for XX/XX/XXXX XX/XX/XXXX -- XXXX -- -- XX/XX/2022. 

According to consumer protection guidelines : A creditor can not mark a payment as late on a credit card account from an open-ended credit plan unless the creditor has taken appropriate measures to ensure that every statement, inclusive of the necessary details mandated by section 1637 ( b ), is sent to the consumer a minimum of 21 days prior to the due date. 

Furthermore, if a credit plan offers a grace period where I can settle any portion of the extended credit without additional finance charges, such charges should not apply to that portion of the credit for that billing cycle. This is valid only if the statement, detailing the basis of the finance charge for that period, was received by the consumer at least 21 days before the specified due date for avoiding the finance charge. 

Given the above provisions, I request that you review my account and verify whether the statement for XX/XX/2022 was indeed dispatched to me at least 21 days before the payment due date. If it wasn't, I respectfully ask for a reversal of the late payment charge in accordance with the above guidelines.

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 2021-01-27
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:
XX/XX/15 I have an account that was opened in my name and i sent a letter to the creditor as well as Transunion. Transunion allowed these accounts to be opened without getting the proper id and now these accounts are having a negative impact on my credit. I want them to send me idenification and solid proof that I opened this account not papers and activities that happen on the account because that's not helpful .... 

XXXX XX/XX/15 XXXX XX/XX/15

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 2018-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a 0 % balance transfer for 12 months and they didn't honor it but charged me over a hundred dollars in interest on it and I contacted them about it and never heard a word back. I told them no one in their right mind would transfer {$5000.00} into an account with an absolutely ridiculous rate of 24.74 % which they charge for someone with good credit and wont lower.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-17
Company: T.S. Holdings
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On about XX/XX/XXXX I first contacted the company regarding the debt on my credit. I advised the company that the debt was incorrect and I did not owe that amount. The representative became very nasty and yelled that the only option I had was to pay the debt on full. I continued to advise her that the debt was not correct only for the representative continued to talk over me and say that she didnt have to provide me with any information about the debt besides the amount I owed I called again on XX/XX/XXXX. I again was yelled and and demanded to pay the owed amount I begged for assistance only to be told that they had talked to me about it before. Also while I was waiting on hold the representative called me on a in state ( VA ) number. She states that the system hung up on me when it had not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: AMERICAN ADVISORS GROUP
State: TX
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:
American Advisors Group ( AAG ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and XXXX XXXX. Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. 
AAG, XXXX, XXXX, XXXX XXXX, and XXXX, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.

Company response to consumer: Closed with explanation