BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-08
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company placed a debt on my credit report I called to settle debt, ask if they would do a settlement and they told me they would. I asked could I receive the settlement offer in writing they told me a supervisor prepare the letter and they sent the letter once I received the letter. I called them they told me I had to pay the settlement offer in full I could not make payments so I paid the amount which was {$640.00}. They told me it would take a couple of days to process my payment. I waited 3days and called back to see if I could get a paid in full letter, I was told that I had to wait 10 days. After the 10 days I was told I could not receive a paid in full letter because the letter should not have never been sent to me and they could only report that I still owe XXXX. I did what was required of me know the company is reporting on my credit file that I still owe this debt. I have provided proof to the credit bureaus but they believe the company. The company says I still owe them. This is not professional. Unethical.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: FC HoldCo LLC
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: Account information incorrect

Complaint:
I have 24 inquiries on my credit report that I did not authorize

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 2020-02-19
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:
I believe I have been a victim of identity theft due to many accounts on my credit that I do not recognize nor recall ever doing business with. I rarely ever use my credit and when I recently checked it saw things on there that made no sense to me and was completely taken by surprise. I am asking for your help and expertise in this matter to get everything corrected so I can try to use my credit again please thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I want to close the account and make payments on the full balance. CashNetUSA will not allow me to close the account per their XX/XX/18 email @ XXXX. I admit I owe the balance, I just can't afford to continue to accrue the interest and fees while paying this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Experian Information Solutions Inc.
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 have submitted an Identity theft report from the FTC website to XXXX twice already, i am about to send the third one tomorrow, they have responded they they will NOT remove the fraudulent accounts on my credit report which i have no knowledge were they came from. They have also refuse to provide any evidence behind their claim. i need these accounts removed immediately, i was not even in the united states when this accounts were open in my name, i also have addresses, phone numbers and names that do NOT belong to me and the refuse to remove them, harming my ability to obtaina fair credit score and report. please assist me in this matter.

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 2020-05-16
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/2020, I saw that a collection account using the name of XXXX XXXX started being reported to my Experian credit report. The debt is not mine and I have never received a bill or invoice from XXXX XXXX about this debt prior to it being reported on my Experian credit report. I disputed the account because it is not mine and Experian reported on XX/XX/2020, that XXXX XXXX verified the debt and it remains on my credit file. I wrote a letter to XXXX XXXX asking them to validate the debt on XX/XX/2020. As of today, I have not received a response from them. Yet the debt remains erroneously reported on my Experian 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 non-monetary relief
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I perviously made a complaint about this issue with TransUnion. They closed the complaint stating they needed authorization from me in order to move forward with the complaint but when i called today on XX/XX/XXXX i spoke with agent XXXX XXXX about my CFPB complaint id # XXXX and i was informed it was closed completely. After reviewing my consumer report again i see that TransUnion willingly and knowingly agrees to take action against my federally protected rights. Pursuant 15 USC 1681a ( 2 ) ( A ) ( i ) Any report containing information solleey as the transactions or experiences between the consumer and the person making the report should be excluded. Person is defined in 15 USC 1681a ( b ) Any individual partnership corporation trust etc. I am the consumer and XXXX XXXX XXXX  XXXX XXXX  ( XX/XX/XXXX ) and XXXX  XXXX, XXXX ( XX/XX/XXXX ) is the corporation in this case Which puts you in violation reporting late payments. TRANSUNION is also using criminal means to harm my consumer reputation by reporting late payments on these accounts violation 15 USC 1692d ( 1 ). I am demanding that you remove the late payments listed below from my consumer report immediately as it is is a violation of my rights as a federally protected consumer under title 15 Chapter 41. Also labeled as exhibit a is proof of the violations and attached is a updated copy of the late payments still being reported

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 2017-12-20
Company: Experian Information Solutions Inc.
State: KS
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:
Was not notified of investigation status or results that I requested in the dispute I mailed. Credit Bureau refused to block item although it remains unverified and they never sent me proof of the instrument mandated that the credit bureau have as per FCRA Section 609.

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 2020-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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:
Hello, I am requesting information as to why Bank Of America 's {$0.00} Liability policy is being disregarded here. I have attached information regarding the failure of Bank of America to provisionally credit my account during the investigation of a {$5000.00} transaction with XXXX XXXX XXXX, XXXX. As part of this transaction, the merchant was contractually obligated to provide me with several products and failed to do so. I completed an Unauthorized ACH Return Form and submitted it via fax on XX/XX/2020. I called Bank of America and spoke with a representative on XX/XX/2020. The representative shared that Bank of America was in the process of recovering the funds and that I would receive a temporary credit within 10 business days. As of today, XX/XX/2020, I have still not received this credit. Thanks for your support and please advise regarding next steps. 

Best, 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 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In short, I disputed credit report from TransUnion and they sent email saying report was updated. However, the link for "VIEW" the completed report does NOT exist or is NOT anywhere on the alleged page stating report is complete. The email sent states that I have 30 days from when TransUnion notifies me but I never saw the first notification and today's notification FAILED to provide me with access to view the alleged report. I am furious with TransUnion, XXXX (who released my personal information in a data hack, and has clearly harmed me), and the other credit reporting agency who have NO accountability to keep the credit information accurate and clearly by my troubles today with TransUnion cannot be bothered by mere "customers" asking to see their credit reports as required by law. TransUnion website has all sorts of "services" available, apparently some for fees, but there is NO link to customer service even after password protected login.

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 2020-12-07
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Caliber Loan Number : XXXX On XX/XX/2020, I spoke with a loan agent by the name of XXXX XXXX about refinancing options and interest rates only. He asked if I wanted to submit a loan application and I explicitly told him, " No ''. I filed a complaint with Caliber Homes and no excuse or reason was provided for his unethical actions. Their response was, " Since you decided not to move forward with the loan refinance process, the Loan Consultant was required to withdraw your application in our system. " ( Direct quote ). As if this solves the problem. The issue is, I told him not to submit a loan application in the first place from the beginning. The call was recorded on their end. Caliber is saying that a loan number was required to be opened as part of their inquiry, so that the Loan Consultant could gather my information and be able to provide me the most accurate information available in regards to my refinance options. Even if this were the case, I should have been told that upfront and then why did he even ask if I wanted to move forward with submitting a loan application if this is normal/routine practice. I have spoken with plenty of other refinance companies and they were able to provide me with information that I requested without submitting an actual loan application. I believe that they are just trying to " beef '' up their numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've tried resolving these medical accounts because they are not the original creditor and by law the original creditor is suppose to report an account not a third party vendor. I want these medical collection accounts removed from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've tried resolving these medical accounts because they are not the original creditor and by law the original creditor is suppose to report an account not a third party vendor. I want these medical collection accounts removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has extremely high interest fees and should be illegal. I quickly found myself in a situation I couldn't afford so the account was charged off. I was called within a couple of months with a settlement offer of less than {$600.00} which I accepted. The company offered to delete the charged-off account from my credit history if I accepted and paid the debt that day which I did. I am still showing the debit is unpaid on my history as well as that I still owe the full balance. This company not only takes part in predatory lending, but they also take part in predatory collecting of debts. Please delete this from my credit history ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: JPMORGAN CHASE & CO.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX My father XXXX XXXX XXXX and I spoke to the Chase Bank Mortgage Department about the requirements to remove the PMI from his conventional Chase Mortgage. The account # XXXX We were told that I could pay for the appraisal by calling into or sending a check via mail with the documents the agent requested to be mailed to my fathers home at XXXX XXXX XXXX XXXX, XXXX UT XXXX. 

We were never told the paperwork would expire, nor were we told that the Chase Bank PMI Policy violates the Homeowner 's Protection Act for Borrowers with Private Mortgage Insurance for Loan closed on or after XX/XX/XXXX. 

The Homeowner 's Protection act states that the value in which the PMI will be removed is 80 % yet in Chase Banks forms it states in order to remove PMI the appraisal has to come in at 75 % LTV in  order to have the PMI Removed even with an appraisal paid by the borrower to Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: PENTAGON FEDERAL CREDIT UNION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hello, My credit card company is holding multiple payments Ive made to them. The funds have been drafted from external bank account. So in essence I have a {$2400.00} taken from one bank to pay my credit card at penfed.

This is a huge problem they are now reporting that I am over my credit card limit causing my XXXX  score to drop. I have made the payment those funds should be released and new information should be sent to the 3 credit reporting agencies to correct penfeds inaccurate information

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 2020-10-23
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On the XXXX of XX/XX/2020 I received an email from citibank stating my account is been closed and I will be receiving a check of the funds in my account sent to the address on file. According to the bank policy it's going to take sixty days for the procedure. Its past sixty days, I dont have a check and whenever I call to check on the status, nobody seems to have any answers for me. I filed a complain a couple of months ago through consumer financial protection bureau before they sent me an email telling me why my account was been closed. After sixty days they telling me my account which is supposed to be closed, went from been under review to an investigation. I feel am been treated like this because am a minority business owner and am been put through all of this because of my race. I have not received any letter from Citi bank on any update and whenever I call they not willing to talk to me because my account is under investigation. They imploring all this delay tactics for what reason I dont know. They never gave me anything in writing through the mail and didnt receive a phone call to address anything. Am been treated like a criminal by this institution.

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 2021-04-26
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was notified by email ( see attached ) of an overage in my Escrow account and that a check had been mailed to my " address on file. '' I called Caliber Home Loans within XXXX hours of receiving this notification to verify my address at which time I learned they had the incorrect address. The representative said the refund check could be voided and a new check could be sent to the correct address. I was told " this usually takes up to 30 days but most times it does not take that long. '' Nearly 30 days have passed and I have not received the refund check, so I called XXXX again today. Upon calling today I was told that the check had been voided but they " didn't complete the second stop correctly. '' I then asked if the refund could be wire transferred or the refund check could be sent via overnight or XXXX day mail. I was told that could not be done. I then spoke to a supervisor ( XXXX, ID # XXXX ) who said she would " escalate '' a new check being cut and sent. However, she could not guarantee when the check would be sent. Also, I spent 30 minutes on the phone with Caliber trying to get this rectified, meaning I forfeited my entire lunch break to try and resolve something that was created by Caliber.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had federal loans for my XXXX degree ( XXXX University ) from XXXX, then my XXXX degree ( XXXX XXXX University ) from XXXX. I have been working for a XXXX company since XXXX, BUT Navient told me that Did Not not count for Loan Forgiveness. I had been paying income based payments to Navient since XXXX. I also Did Not Know that you could Refinance your student loan. I just transferred my loan to a private lender in XXXX for a lower interest payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Transunion website is not user friendly whatsoever. It will not let you dispute an error.

I want Transunion and XXXX to both investigate XXXX XXXX XXXX account on my credit reports.

XXXX XXXX XXXX has reported that I am 30 days past due on my payment which is completely false. I have made all payments on time. I want Transunion to make the correction on my credit report as I am not 30 days past due. I have proof from XXXX XXXX XXXX account website that I have made all payments and I am not 30 days past due.

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