BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it XXXX concern, I recently pulled my reports and noticed you are reporting an charge off each month with a balance of {$230.00} for this account. XXXX XXXX As were both aware a charge off account is a dead account which means that there shouldnt be any interest accruing after the account charged off, there should not be any late payments reporting after this account was charged of along with XXXX reporting c/o every single month, Im aware that there is date of last activity ( the date on any account should be when a payment was made, or account status change made on the account ) so if you are reporting charged off every month the date of last activity is being reset every single month that you are reporting an charge off meaning that my reporting time is based on my date of last activity so with the 7 year reporting time for every charged off account from my understanding this account was charged off in XXXX and since then youve continued to report charge off on my credit report, which affect my XXXX ( date of last activity ) & is continuously been extended Ive attached copy of this account as its being reported from your bureau .Youre reporting that I was 120 days late 2x for the month on XXXX XXXX which I find quite impossible along with inaccurate information Last XXXX of XXXX RE : XXXX I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
Supply your response within 15 days or delete the trade-lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/XXXX my payment of of {$290.00} was received by XXXX XXXX XXXX, who was assisting me in debt consolidation and was paying my credit card bills as a third party. Of that amount, {$8.00} should have been disbursed to Discover Card XXXX on or before XXXX/XXXX/XXXX but was not. The payment of {$8.00} was finally made to Discover Card XXXX on XXXX/XXXX/XXXX. This now shows up as derogatory information on my credit report for being a month late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Consumer Portfolio Services, 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: Investigation took more than 30 days

Complaint:
Dear, cfpb I have XXXX phone app, and XXXX XXXX Credit activity monitors on my phone both pretty accurate in updates Vintage XXXX they notify of any changes in credit scoring on both XXXX, and XXXX. The problem has been a car loan I am joint account holder on. CONSUMER PORTFOLIO SERVICES INC. XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX. 
ACCT XXXX. WHILE THE ACCOUNT WAS SET UP ON A PAYMENT PLAN and agreed to CPS the CREDIT BUREAUS WERE STILL reported to while payment were taken by a creditor who claims to act as a Debt Collector who has been in trouble with the Federal Trade Commission XXXX Refer to Publication by F.T.C XX/XX/2014 XXXX this company is still practicing in the same unfair credit reporting ways to the CRA 's. I'm not sure why the unfairness in scoring between me and my wife with XXXX  and XXXX, XXXX. 
Numerous Harassing Calls at work after telling them I could not have debt collection calls in front of my co-workers and also explained I was in an explosive Chemical plant on a cell phone. They continued to call me. 
It's a Joint account but not on the Credit Report Fairness with the CRA 's I'm not the driver of the vehicle my wife is. 
My score drops XXXX this month and XXXX points last month because of late payment made by my wife whereas her score drop XXXX to XXXX points on XXXX  because of C.P.S.. When i spoke with Consumer Portifolio while at home and asked why they told me it was because of other things I may have had on my report and I could get anywhere with them or XXXX. Why I'm I not being treated with fairness in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Servicing contacted my insurance company XXXX XXXX and told them my house was vacant. I live in my house. My utilities are all in my name. I get my grass cut regularly and I planted flowers 2 months ago. My mail box is only full if I get a delivery package in my mailbox. My car is usually in my driveway and Select Portfolio Servicing notified me on XX/XX/20 stating that my covid relief program HAD NOT ENDED yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions 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:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never opened this account XXXX cant contact them its ruined my score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been removed from American Education Services ( AES ) borrower benefit program ( BBP ) that reduces interest rates by 1 % after 36 months of on time full payments unfairly and due to AES searing me away from their automatic direct debit payment program. I was removed from the program due to a payment that was a few weeks late and a payment that was {$94.00} short of the payment since I was looking at an old bill. Had I been enrolled in their automatic debit payment program like I wanted to I would not have missed these payments. I was steered away from their automatic debit payments due to incorrect and misleading information. It is my belief that AES will not let customers that are trying to get into their BBP set up automatic debit payments since this will make it mush easier for them to qualify for lower interest rate. I was told in XXXX that I could not set up automatic direct debit program to pay more than the minimum payment. I wanted to pay more to pay my loans off sooner so I did not set up automatic direct debit payments at that time. I again questioned automatic direct debit payments on XX/XX/XXXX and was told that " Unfortunately the lender does not allow a paid ahead status '' and I could only make minimum payments using automatic direct debit payments and would have to send two bills to make extra or over payments. Since then I have found out that I can pay any amount over the minimum payment. AES continually gave me incorrect and misleading information. I have e-mailed AES customer service over 6 times the past 3 months with out any reply or a response about the incorrect information I was given. The continue to not take responsibility for their actions in this circumstance and have denied my request to honor the 1 % interest rate reduction I should be qualified for since XXXX that has resulted in 10 years of AES collecting higher interest rates from me unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).

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 2023-07-27
Company: WELLS FARGO & COMPANY
State: NV
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:
I have Eight accounts with Wells Fargo Bank, at first I was okay with it, when those accounts earned interest, but right now I am only earning XXXX per month. The bank switched my account from one service to another at least 10 times in the 20 years I have been with this bank. In order to have the privilege of 'free ' checking I must keep $ XXXX in a special account, which I have done, but if I should 'change " anything, with any of the accounts then it reverts to a monthly charge. I don't understand what happened to changing the interest amounts 'automatically ', as was done during the XXXX XXXX when he ordered interest rates down to 'XXXX ' because they do it in XXXX. Now, I am earning XXXX interest on my money, I will have to retire here and I am not earning any money on the money I must hold in the bank, or else I will conveniently for the bank be charged an considerable amount of money just to have the convenience of a checking account. The interest rate currently is 5 %, this is what the bank is making off what 'little ' money I have in the bank. Nobody can talk to me about it, I MUST make an appointment, which I tried, she blew me off. She was too busy. No one can tell me anything on the phone and the only rate offered was XXXX. I know, I should go to another bank, but nobody is offering any money unless you want to open a CD account. I have to keep my funds 'liquid ', so that's unacceptable. Now, the bank does have a 'product ' where they pay amble amounts of interest but I would have to have $ XXXX in the bank, and any other money I have would not be insured by FDIC XXXX so they would be 'unregistered funds '. I have been trying to get information from this bank since last XXXX, but no one will talk to me unless I make an appointment, which they conveniently blew off the last time I made an appointment. There is no escalation, there is no one I can complain to.

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 2020-09-11
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is an account on my credit reports XXXX  XXXX XXXX that is outdated it is from 2012. I tried disputing it online with XXXX  and after all the information it said submission failed the same with Experian. This information is outdated and should be deleted off my credit reports.

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 2023-02-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: National Credit Services, Inc.
State: KY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I completed a student loan default in XX/XX/XXXX with National Credit services, XXXX XXXX XXXX XXXX, wa XXXX XXXX. Upon completion i contacted the collection agency on XX/XX/XXXX, and XXXX to find out what i needed to do. I was then, on XX/XX/XXXX, only then, informed that the documents recieved in question were not valid. The representative stated i would have to start my default over again for the required time frame. I was not notified in writting, via voicemail or calls that the documents were not valid u til i called in XX/XX/XXXX. 
On XX/XX/XXXX and XXXX i contacted the agency to ask them to report up to date pay, ents made and at that point the representative stated thta i am still in default and am only making viluntary payments for {$65.00} a month.

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 2018-11-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I recently filed Complaint No. XXXX. The response received from PennyMac was inaccurate. The response suggested that I did not provide instructions as to how additional monies should be applied to my account. This statement is untrue. I have spoken with multiple representatives throughout the duration of my loan and it has been suggested that a code would be applied to my account. Furthermore, the representative who responded to Complaint No. XXXX also suggested that she would speak with her Billing department to ensure that all payment overages were applied to the principal mortgage balance. 

Notably, I recently remitted a payment and the overage in the amount of {$88.00} was not applied to the principal balance. Please review the attached screenshot for confirmation. This is becoming extremely annoying always having to follow-up and ensue that my payments are applied to my loan properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon checking my credit report, I found a collection account from Phoenix Financial Services. 

I have not received any contact from PFS in reference to this matter, either my phone, email, or US Mail. I do not owe any debt, and have no knowledge of ever doing business with PFS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
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 credit reporting company has been trying to address this for months yet the bureaus refuse to do anything other than reiterate they will reach out to the reporting company and update accordingly yet they have yet to do so.

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 2019-10-23
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I emailed a person who claimed be a XXXX  XXXX Season Ticket Holder who wanted to sell four tickets to Game XXXX of the XXXX XXXX XXXX at XXXX XXXX in Washington, DC. I emailed that I was interested in purchasing tickets for me and my wife. 

The next morning ( XX/XX/2019 ), I received an email from the seller, requesting a phone number to contact me. I provided my phone number and my wife 's phone number to make sure he could contact us. Later on that afternoon, I received a text from the phone number XXXX, wanting to confirm he had the correct number. I replied that he had the right number, and we were interested. I also asked him if all four tickets were available, and he replied that they were. I asked to confirm if the price for all four tickets were {$1600.00} ( he claimed in the ad that the tickets were {$400.00} per ticket ), and he confirmed. I asked him for verification, and he provided screenshots of a XXXX account with what he claimed were his group 's seats. The screenshots appeared legitimate, and I asked him how I could pay for them. He asked if I had a PayPal ; in which I responded that I did. He asked me for a PayPal email address, which I gave him, and then sent me an PayPal email request, but asked me to send payment through the " Friends and Family '' option so he would not be assessed any fees. I obliged, not understanding that I was unprotected making payment this way, and when the PayPal request came, I sent payment through PayPal. 

I let him know that I sent payment, and he said that he would check his account when he got home ( he claimed he was on the road ). Later, he sent me a screenshot of his PayPal account with a message stating that he would receive payment in 24 hours. He followed up the text by stating that he would send the tickets in the morning once payment was received, and that the tickets were officially off the market. The next day ( XX/XX/2019 ), I did not see the tickets in my email, but figured that maybe he had not received payment yet. He texted me in the middle of the day asking if I was available, but I was not able to get to my phone right away. As soon as I noticed the text, I asked him if everything was okay with his payment, and he responded that he had not received it yet. I called PayPal to find out what was going on, and they told me that he should have already received payment. I texted the seller back, and let him know that PayPal stated he has his payment. He asked to see if the payment arrived, and I never heard back from him afterwards. After a couple of hours, I realized that I was scammed, and looked in my bank account, whereas the money had already been transferred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX  Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-11-24
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Received a notice from Hyat Hyat and Landau, LLC. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX attorney for plaintiff and file number is XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX Judgement owed is XXXX now the balance due is XXXX. 
They are stating this is an important notice : please read carefully failure to comply with this information subpoena may result in your arrest and incarceration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation