BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Sequium Asset Solutions, LLC
State: MI
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:
Sequium is going from Agency to Agency reporting an account that isn't mine. It's predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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 have contacted XXXX XXXX and Experian numerous times via phone and written letters in regards to identity theft. This account has approximately XXXX charges that were unauthorized and used without my consent. I have sent a police report in regards to this matter as well as a identity theft report. This account is showing inaccurate information reporting on my credit deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws in the Metro 2 data field formatted reporting standards, therefore lawfully you must ERADICATE any and all adverse remarks. I have a notarized statement in regards to the identity theft that was sent XX/XX/2020 and additional information that included the police report and identity theft affidavit was sent certified XX/XX/2020. Experian has not presented method of verification and I s reporting inaccurate information on my credit 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 explanation
Consumer complaint received 2020-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery acquired a dead XX/XX/XXXX from XXXX XXXX they have the debt listed twice on my credit report the same debt listed twice which is illegal they also have me having done business with XXXX XXXX and I never have I submitted a complaint XX/XX/XXXX through your system and they sent me a frivolous response letter FCRA act section 611, basically gives me the right to request an explanation of the verification method used by the CRA. I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report last month I requested investigation because I felt the items were not legally being reported correctly a couple days ago I received a letter stating that your investigation was complete please explain to me how you conduct your investigation for information that does not belong to me they use my name to gather credit cards but it is not my account XXXX XXXX XXXX Portfolio Recovery XXXX XXXX They have responded to my dispute with frivolous letters saying that they have completed the investigation with no response and no removals from my credit report they also have the same debt listed twice for portfolio recovery and XXXX XXXX XXXX XXXX is also listed as XXXX XXXX XXXX you can not list the same debt twice

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern I fell behind in my mortgage payments. Applied for a Modification of my loan payments. I was denied for a modification by Penny Mac. They claimed that my income was n't sufficient and that I needed to earn an additional {$200.00} per month. So I rented out a portion of my home to make up the difference. I was told I would get a new customer relationship manager. But I have never heard from her or spoke with her after leaving several messages and calling multiple times. I finally reached someone and they told me send my updated documentation overnight certified mail, which I did. I show a deliver date of the documentation. They have yet to say that they have received those documents. I had also faxed in the documentation. They requested additional information that I have also provided to them. They also indicated that now maybe I now earned too much income to qualify?? I am at a loss as to why no one has reached out to me and why when I speak with one person I am told one thing and then when I speak to another person I get told something different. I want to keep my home and I feel that I have provided enough documentation and supporting materials to show that I am qualified to have a loan modification. Penny Mac has a FC sale date set for XX/XX/XXXX and so I am out of time. I feel that I have unjustly treated and not provided the correct information to allow me to meet the guidelines. How can Penny Mac take my home for not having {$200.00} extra per month and then later having too much income. Please help! Please advise! Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking and savings account at First Citizens on XX/XX/XXXX, with a promotion to earn {$300.00} bonus after meeting certain terms. I met all of those terms on XX/XX/XXXX, and still as of XX/XX/XXXX have not received the advertised {$300.00} bonus. Attempts to discuss this with representatives at First Citizens on XX/XX/XXXX by secure messages on their website, and on XX/XX/XXXX by phone, were unsuccessful. Representatives indicated they had no knowledge of this promotion or that this promotion was not attached to my account. When I opened the accounts, I used the direct link to apply for the bonus ( see attached screenshot - " OPEN NOW '' ). There was no field or option to enter any promotional code on the application form, so the link I clicked ( attached screenshot ) should have been adequate to apply properly for this promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: CITIBANK, N.A.
State: LA
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:
My credit report is showing a {$4800.00} balance for CBNA. We do not have a credit card for this company. I filed bankruptcy several years back and all of my credit card debts were dissolved. I have not opened or put purchases on this card. I have no idea what it is.

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 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my 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 explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: GA
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 2021-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
My name is XXXX XXXX and Im a customer of Bank of America. The bank of located in XXXX XXXX, ca zip code is XXXXthey have three staffs helping out those who has needs for wiring/transfer needs! 

Today I make a transfer I come in the bank and I sign in thinking I will get seen soon but the people with an appointment get seen first, making me wait for over an hour. Which is unfair for those who are waiting!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: New Southern Loans, Inc
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, we received a check in the mail from New Southern Loans for XXXX. We called their office to question whether they would check our credit. The young lady stated that she did not know and would have her supervisor call us. We immediately received a credit alert notification of a hard inquiry. The letter attached to the check stated that cashing the check would initiate a credit inquiry. We had no intention of cashing the check because of the 30 % plus interest rate. First, we have raised our credit score by over XXXX points and could obtain a loan from one of our banks. Secondly, we do not need a {$1000.00} loan. We would like this company to remedy this issue by removing the inquiry, report our previous account closed, paid as agreed and remove us from their mailing list.

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 2020-10-25
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A complaint was filed on XXXX with regard to a student loan debt. NAVIENT replied on XXXX through this site and via USPS. in there response they were documents that had a electronic signature, but nothing was provided that had both parties name on it to constitute a contract or that full disclosure was provided upon the alleged contract. after this a letter was sent certified mail to NAVIENT XXXX XXXX. I have not heard a response to this inquiry. In this letter NAVIENT was given 14 days to respond and has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Captial One did an investigation to show that the it is fraud. They sent a letter to all the credit bureaus, the other two credit bureaus have deleted this off of my credit. I called XXXX and talked to XXXX, yesterday. He was very argumentative and would not allow me to talk to his supervisor until I pushed and pushed and pushed. 
This was disputed on XX/XX/XXXX, and Captial One sent a letter to me and all the credit bureaus on XX/XX/XXXX. I have uploaded the letter and submitted another dispute. 
I called Capital One and they told me they " could not help me, because they already did their job. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Report Number : XXXX Date Generated : XX/XX/XXXX Account Name LOANME XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$2500.00} written off. 

Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$2600.00} Highest Balance {$0.00} Terms 47 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been sent money that they owed me from my coworkers and I have never received the money. Also my phone number associated with my account is wrong. My correct phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
we have been heavily impacted financially by covid-19 due to loss of income. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020 I have spoken with American Express multiple times to express my concern that I can't pay my credit card payments. In XX/XX/2020 I sent them a hardship letter, certified, signature receipt, in writing detailing to American Express I could pay at least {$25.00} monthly to at least show good faith effort that I'm trying to pay something. The letter was accepted and signed for by an American Express agent. The account has been closed because of the fees that American Express are charging ( late fees, rate hike fees etc. ). They offered a payment plan of {$80.00} a month for a year, but I reiterated that we have lost income due to covid-19 and we don't have that kinda money coming in to pay that amount! I asked for a forbearance, lower payment that I can afford, lower interest rate etc., until we can try and recover financially, which will be a huge undertaking!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-25
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was late on payment in XX/XX/2020 due to coivid I was in the hospital with covid I asked them for help and they agreed but they never followed through the agreement!!!

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 2020-06-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I AM CURRENTLY IN FORECLOSURE WITH " SPS '' WHO IS A COLLECTION AGENCY AND PER THE FDCPA, " A COLLECTION AGENCY CAN ONLY COLLECT ON A DEBT AND CAN NOT SUE IN THE COURT OF LAW FOR A DEBT THEY DO NOT RIGHTFULLY OWN ''. BECAUSE OF THIS I FILED CHAPTER XXXX ON XX/XX/XXXX. SPS AND THEIR ATTORNEY KEPT TRYING TO SALE MY HOME WHILE UNDER BANKRUPTCY PROTECTIONS AMONGST OTHER FDCPA VIOLATIONS TO THE HOMEOWNER! 

MY COMPLAINT IS THAT SELECT PORTFOLIO SERVICING IS FRAUDLENTLY ACTING AS A " MORTGAGE SERVICER '' HOWEVER THEY ARE REGISTERED IN THE DEPT OF STATE OF UTAH AS A " COLLECTION AGENCY ''. A COLLECTION AGENCY CAN NOT SUE ME IN COURT BECAUSE THEY DO NOT OWN THE DEBT. I HAVE ASKED SPS TO PROVIDE VERIFICATION OF DEBT, TRANSFER OF DEED AND NOTE TO NEW LENDER, WITH ALL THE FILES THAT CAME ALONG WITH THE TRANSFER OF MY MORTGAGE ACCOUNT IN XXXX. THEY HAVE NEVER PROVIDED THIS INFORMATION TO ME OR THE COURTS AFTER A JUDGE HAD A COURT ORDER. " SPS '' IS THE SAME ENTITY AS " XXXX XXXX XXXX '' AS THEY JUST SIMPLY CHANGED THEIR BUSINESS NAME ON XX/XX/XXXX AFTER BEING SUED MANY OF TIMES INCLUDING THE ( FTC ) WHO SUED THEM FOR {$40.00} XXXX DOLLARS. THIS COMPANY CONTINUES TO TAKE ADVANTAGE OF ME AS MY LOAN WAS INVOLVED IN THE SUB-PRIME MORTGAGE FRAUD SCAM THAT WAS COMMITTED WITH XXXX XXXX XXXX, SWITCHING TO XXXX  XXXX XXXX AND THEN ALLEDGELY TO SELECT PORTFOLIO IN WHICH ALL THREE MISLEAD AND MISCOMMUNICATION MY LOAN DOCUMENTS WHICH WAS THEY THEY WERE SUED. I SAYING THAT I AM IN BANKRUPTCY COURT FIGHING TO KEEP MY HOME IN WHICH SPS AND XXXX XXXX XXXX XXXX XXXX ( WHO DOES NOT EXSIT BY THAT NAME IN THE DEPARTMENT OF STATE OF DELWARE OR CALIFORNIA OR UTAH ) WHICH MEANS THAT ARE " NOT LEGALLY A BUSINESS BY THE NAME IN NONE OF THOSE STATES '' BECAUSE THE " DBA '' IS NOT REGISTERED OR LISTED. I NEVER SIGNED A CONTRACT WITH XXXX XXXX. MY MORTGAGE IS A MERS LOAN AND IT WAS ASSIGNED A MER MIN #. MY LOAN MIN NO. XXXX IS CURRENTLY LISTED IS " INVALID '' IN THE MERS SYSTEM.

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 2021-08-10
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company Radius Global Solutions  contacted me regarding a debt I was not aware of. I advised the representative I need a validation of debt and wanted to debt the debt. The representative advised me I could not dispute the debt until after I received my validation of debt. I informed the representative this was not true and I had the right the dispute the debt as well as request a validation. The representative continue to argue with me and cut me off then eventually hung up the phone after asking for a manager. He advised me no manager was available and the call dropped. I called back to speak to manager XXXX XXXX, I asked him to listen the call since he seemed to not believe his representative told me false information. I asked him to listen to the call and call me back or I can call him back so we can resolve the situation. He told me it was none of my concern and refused to set a follow up to discuss the call. The manager told me he went ahead and put the account in dispute. I informed the manager if I didnt know my rights I wouldve thought the only way I can dispute the account is after I received my validation. He did not seem concerned about my situation. I asked him for information on upper management and Human Resources to submit a complaint, initially he refused but after pressing a while he eventually gave me a general number for the company. The representative also did not provide the mini-Miranda.

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 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Home loan service company was XXXX XXXX  until XX/XX/XXXX. Loan # was XXXX. In XXXX they transferred my file to a new servicing company name is XXXX XXXX. XXXX XXXX had this loan under the file number XXXX. This loan has been totally paid off on XX/XX/XXXX. The XXXX XXXX XXXX XXXX have mistakenly reported this loan " more than 180 days late '' to all XXXX Credit Bureaus which is false! I have been on forbearance plan with XXXX XXXX  from XX/XX/XXXX up to XX/XX/XXXX ( The agreement, the extension letter and two snapshot of my XXXX dashboard are attached ). As you may see I have been on forbearance plan, so how possibly I could be late? As the result of their mistake my credit score decreased from XXXX to XXXX today. I have called both XXXX XXXX XXXX and asked them about this and both accepted this was a mistake but they say it may take up to 60 days to finish their own investigation and send correction to the credit Bureaus. Problem is I am in the middle of applying for another home loan and the lender just received my poor credit score and denied my application. I am very upset with these two financial institutions and want you please let them it will have sever consequences to play with peoples life. They have to send the correction to to the 3 Credit Bureaus ASAP. Thank You, P.S. I am XXXX XXXX and I am the owner of this account. I once used this account to file a complaint for my ex wife XXXX XXXX, but now I see the account comes under her name which is not correct. Please make necessary correction and put my name as the owner of this account.

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

Complaint:
This is my second complaint against the credit bureaus. Now they are asking for proof of who I am so I am sending it. I feel they are stalling and trying to by time I have attached my lease agreement and SSN card that should be proof enough.

Company response to consumer: Closed with explanation