BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts nor have I lived at any of these addresses. Additionally, I haven't authorized any of these companies to pull my credit. Please kindly remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have had 3 accounts put into collections with Portfolio Recovery Associates. I had one last account which I paid off my last account on XX/XX/2022 in the amount of {$320.00}. The account was removed from my account about 2 weeks later. I then noticed that on XX/XX/2022 they added false information back according to my XXXX XXXX They added that I owe an account balance of {$16.00}. This brought my credit score down XXXX points. I contacted the company and they confirmed my previous accounts are all {$0.00}. I asked who should be contacted about correcting this false information that was added and the agent had no answer for me, only that he didnt handle credit reporting. He didnt tell me who in the company would. I feel like there should be some type of compensation or something done because this has hurt my credit due to no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: MRS BPO, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX office representative made false statements, and when I disputed the debt originally it was dropped from my credit history. 4 years after this was done, XXXX XXXX is attempting to collect what they think is debt. A person authorized to repressent the company told me that I would owe a certain amount and that amount was paid, when a different amount was attempted to be collected I was told that it did not matter what that person agreed to. In New York State a verbal agreement is tantamount to a contract and as such is where they provided service. They have harassed me for the last 7 years to collect something that is not owed to them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Caliber Home Loans, 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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and me are senior citizens, ages XXXX and XXXX respectfully. We bought our apartment in XX/XX/XXXX with financing from PNC mortgage. Within 90 days of the closing the bank sold the mortgage to XXXX. Since then they have harassed us by calling our house 2 t0 3 times daily Monday through Saturday and stating that our mortgage payments were late even when they processed our payments. In addition, they were charging late fees in error. They also raised our mortgage payments twice the first year without any increase in expenses ( e.g. insurance and taxes ). Our new payment coupon was to have been received before the beginning of XX/XX/XXXX and to start in XX/XX/XXXX. Said coupon has yet to be received. We have sent a letter to the PNC Mortgage executive and waiting to hear from them while we continue to making sure our mortgage payments is timely. 
We would like this information published

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: CA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : 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 open end consumer credit plan as late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : 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 open end consumer credit plan as late 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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Im sending this complaint on behalf of myself and not a third part as you have suggested from the past. I'm a victim of identity theft and this has been going on way too long I'm tired of these reporting agencies playing games.

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 2022-10-07
Company: Experian Information Solutions Inc.
State: IL
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:
I filed a complaint with the company and the consumer financial protection bureau XX/XX/2022 in regards to XXXX publishing my information per the CRAS. XXXX is in clear violation of the law, the initial complaint was about them publishing transactions on my credit report in which pursuant to 15 usc 1681b- permissible purposes of consumer reports-a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the Fair credit reporting act 15 usc 1681 ( 2 ) ( a ) ( I ) - ( 2 ) -EXCLUSIONS-Except provided in paragraph ( 3 ), the term consumer report does not include- A ) -subject to section 1681s-3 of this title, any- ( i ) - reporting containing information solely as to transactions or experiences between the consumer and person making the report ; The reporting of my experience and transactions is illegal and furthermore has damaged my character, my reputation, my general mode of living, bd my ability to obtain credit for personal and house purposes.

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 2015-03-31
Company: HYUNDAI CAPITAL AMERICA
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a loan with Hyundai Motor Finance ( HMF ). The account number was XXXX. I requested a payoff at the beginning of XXXX. I was given a payoff amount of that was {$13.00}?? more than I owed. I paid the payoff amount given and it was posted on XXXX XXXX 2015. Hyundai Motor Finance ( HMF ) indicated that a lien release would be sent within 2 weeks as would any excess payoff. By the XXXX of XXXX I had received neither. I called HMF and within XXXX days I received the lien release but not the excess payment. I again called HMF on the XXXX of XXXX and they said they would refund the excess immediately. I called again on the XXXX and was told that a check was sent on the XXXX of XXXX. As of the close of business today I have not received my refund. Please assist in having my refund issued. In addition I question if this is a typical practice of HMF and are there many, many customers who never received their refunds. 
Thank you for any assist you can provide. 
XXXX XXXX XXXX, KY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
One day Paypal put a limitation on my account. They told my friend, who I sent money to, that I had been " hacking into accounts. '' ABSOLUTELY not true. They pulled the money back from my friend 's account and put a hold on my account. I provided every bit of information they asked me for and they kept asking for more stuff. I would submit something, it would be approved, and they would add XXXX more things. Finally, they said my account is " related '' to the accounts under the following e-mails " XXXX '' and that {$500.00} is owed. So they have locked up {$1800.00}. They even went into my bank account and made an unauthorized withdrawal of {$29.00}. I do not owe Paypal ANY MONEY and it 's illegal for them to be holding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Beginning with XXXX, I submitted a request for a free credit report and identified an account to which I have no knowledge or association to. This is identity theft/ fraud and I need help removing this from my credit report. Please help! Details are listed below. 

*I have called this company and it can not locate me using my social security number and I can not assist any further because I do not know of any account number except the last four digits listed on the XXXX Credit Report. 

This account has a balance of {$27000.00} as of XXXX XX/XX/XXXX. 

It was opened on XXXX XX/XX/XXXX. 

The last XXXX digits are XXXX. I don't have any other information about this account aside from what is being reported by XXXX. 

The contact information of the company is : JPMCB - CARD SERVICES XXXX XXXX XXXX XXXX, FLOOR XXXX XXXX, DE XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA
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 a account reporting in my credit from wake field and associates I never opened this account or did I give permission for this account to open with a balance of XXXX .. I gave tryed to resolve this with the company and would like this to be removed from my credit report due to fruad and and not being able to provide supporting documents that I opened this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 STATES THE RIGHT OF PRIVACY.

15 U.S.C SECTION 2 ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 STATES THE RIGHT OF PRIVACY.

15 U.S.C SECTION 2 ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2015-09-24
Company: MARINER FINANCE, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I keep getting harassed by a company called Sunbelt Credit ( XXXX ) for debt that I have absolutely NO affiliation with whatsoever. On numerous occasions, I have spoken with the Manager who states that he is removing my number ( XXXX XXXX # XXXX ) but never does as the calls persist. They have no right to continue to bombard me with an issue to which I have absolutely nothing to do with whatsoever!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Roughly on XX/XX/2022, I got a call from bank of America fraud department stating that a credit card/bank application was open in my name and to see if a current charge was made by me. I told them that i never opened a bank of America credit card and that charge was not me. The charge / credit card was that was fraudulently opened was in XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX. This is not my address. There was 3 variations of this XXXX XXXX address on my credit report that the fraud used. I live in XXXX XXXX, CA. not in XXXX, CA. 

I was also told that they tried to open a checking account under my name/ social security. I got a call today XX/XX/2022 by XXXX  XXXX asking if the new application for a bank account was made by me. I told them that i did not apply for anything from XXXX  XXXX. After this call with XXXX  XXXX, i went on XXXX, XXXX and XXXX to freeze my credit reports. While on XXXX, i see that there were multiple attempts on XX/XX/2022 to open an account w/ 3 other banks. I went to Bank of America branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to speak to a banker. They verified my identity and was able to help me block credit card that I did not open and advised me to file a police report. Bank of America Banker told me the profile under the fraudulent credit card had my same Social security number, name and employer. The fraud used a different address and occupation. They listed the address in XXXX, CA and the occupation as a Nurse. However, my employer, XXXX XXXX is a XXXX diagnostic company and do not employ nurses currently to the best of my knowledge. I believe someone is trying to steal my identity and open Credit card/ bank accounts in my name. My credit score has dropped XXXX points in the last month. 

On XX/XX/2022, I received a letter from discover stating that discover credit card application was received in my name/ social security number. On XX/XX/2022, i called discover to let them know that the application was due to identity theft and was made fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX made an atm deposit at XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX 

there was a XXXX XXXX money order {$800.00} check included in the deposit. 

Received a letter from TD stating the Monday order was illegible. 

Went to the local branch and ask why it is illegible, teller name XXXX said the check was lost and she will write to XXXX demand a credit. two weeks later still no respond. 

Now the case was transfer to supervisor XXXX XXXX XXXX, she said there is no phone contact to the atm department and only thing she can do is email but still no reply? She said there is nothing else she can do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-24
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Modification denial back in  XXXX     2017  by  Seterus w e appealed the denial on  XXXX / XXXX / 17  then the lender switched servicers to   XXXX   mid appeal period.      XXXX   would have to honor that appeal period but new servicer claims they does not have a welcome email or new Loan number for borrower. All Seterus can say is that they transferred them to   XXXX   XXXX  .      Per Foreclosure attorney for Seterus, they are still moving fwd with the foreclosure and are also representing new servicer in this foreclosure. Did make them aware of the situation in wrongful foreclosure.     Both lenders are unable to give any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them 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 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 2015-09-18
Company: CITIBANK, N.A.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I had my attorney I hired write letters to Citibank to make them aware that they are completely violating the FDRA. XXXX immediately complied. The date of last activity is XX/XX/XXXX and report ( XXXX ) 90 day lates after that. They also falsely accused me of paying {$40000.00} a few years ago which is completely false as the last installment on my account was XX/XX/XXXX. This is completely hindering my ability to refinance my property. SEE ATTACHED DOCS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief