BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted my complaint XX/XX/XXXX about the following transactions. 

I sent receipts on XX/XX/XXXX. 
On XX/XX/XXXX I received the letter saying that they did not receive the receipt. 

I didn't call on XX/XX/XXXX and was told that they did receive my receipts and that that there was nothing that they could do about it. 

The agent then told me that she can resubmit the dispute. I have not heard a response since. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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:
In accordance with the Fair Credit Reporting Act, these Companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor May Not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-06-03
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, these Companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor May Not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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 AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2016-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX services continues to report a negative payment history item on my transunion credit report. XXXX XXXX XXXX stated that they informed transunion to remove any negative items from XXXX XXXX thereafter, however when I spoke to a transunion representative she indicated that XXXX stop reporting the item in XXXX XXXX. XXXX XXXX services was not suppose to make any more reporting on credit report once I declared Bankruptcy Back in XXXX XXXX, however they continued report me being over 120 days late on payments. I think transunion had an ovesite of this matter. Also I completed a student loan rehabilation program and all negative items were suppose to be removed from my credit reports by XXXX. The loans are no longer in Default status

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A check ( # XXXX ) from my Chase account originally made out to XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1100.00} was altered. The name of the payee was changed to XXXX XXXX and deposited in an acount at XXXXXXXX XXXX 
Chase is waiting for XXXX XXXX to respond and meanwhile, I am out those funds. 
It has been over 90 days and XXXX XXXX  is dragging their feet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-06-03
Company: Experian Information Solutions Inc.
State: AZ
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 Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2015-06-16
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
There is a collection account was reported to credit bureaus but did not recieve dunning notice from collection agency

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 non-monetary relief
Consumer complaint received 2016-07-20
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.

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 2015-09-14
Company: Alpha Recovery Corp
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not mine.. I do not have any recollection of this debt nor have I ordered from these people this needs to be deleted immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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  Account # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions 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 Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

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 2022-06-03
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2017-01-27
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
when i cancelled my XXXX services i returned all the equipment paid over {$200.00} to get out the contract. The person that helped me made it clear my account was at {$0.00} and closed. Months later i get a collection for {$86.00} that i do not owe. I told my friend the story and the exact thing happened to him with XXXX. 
This is not how you treat customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-03-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Citizens bank removed funds from my checking account l\this past week without a notice or permission. I need a full investigation right away. i am unable to pay our mortgage with this improper removal. how can you help me ( helpless ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: ENCORE CAPITAL GROUP 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Myself and my same-sex partner are currently in a 30-year fixed FHA mortgage. In XXXX, we were originally contacted by PennyMac to do an FHA streamline refinance because rates were favorable. After talking with the sales agent, we decided to apply for a 30-year fixed conventional instead in order to save having to pay MIP. We were verbally told over the phone that the underwriter did not find the evidence of extenuating circumstances sufficient enough to forgive a foreclosure that happened 6 years and 11 months ago - 1 month away from 7 years when it would drop from my record entirely. I then asked the sales agent if we could go back to the FHA Streamline Refinance and he said " Yes - and it would still lock in your very low rate ''. Later that same day, he copied me on an email to the loan processor and underwriting requesting that my application be switched to the 30-year streamline. 2 days later, we signed the application and loan disclosures for the FHA streamline at a 3.25 % rate. We submitted all signed documents a couple of days before the XXXX XXXX elections in the U.S. Our rate was locked until XXXX. However, shortly after the elections, mortgage interest rates went up considerably and quickly. We did not hear back from anyone at PennyMac. When I finally contacted them a week later, they verbally told me over the phone that the underwriter on the conventional loan DENIED and CLOSED our application so we lost our rate lock. Despite this, I have an email messages that asked the underwriter and loan processor to CHANGE our application - which were sent on the day we were verbally told we were denied. I have YET to receive any documentation in WRITING of our denial / cancellation and the reasons given. Whenever I 've inquired why the loan processor and underwriting did not follow the instructions requesting to switch to an FHA Streamline, I 'm given an " I do n't know '' answer and that the issue would be escalated to management. The sales person, of course, offered to start a new application but since market rates have gone up since we originally applied, the new rate offered was 4.125 %, not 3.25 % which we had originally locked. I suspect that PennyMac is failing to comply with fair lending practices because interests rates rose by almost a full percentage point after the election which was considerably higher than I had " locked in ''. I asked that the issue be escalated to upper management and that I receive follow-up explanation and written documentation. That request was processed on XXXX/XXXX/XXXX ( per email from sales agent ). As of the date of this complaint, ( XXXX/XXXX/XXXX ), I have received no resolution, no explanation, and no denial / cancellation documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Recieved a settlement letter for an XXXX collection in XXXX XXXX. This is the first communication i jad with a collection agency regarding this debt. I called them and they stated per phone that if i made the payment to them by XXXX XXXX XXXX that they would not report to credit bureaus. I paid it 2 weeks early and then they reported it after payment. I disputed with XXXX credit bureaus. XXXX and XXXX deleted this account. XXXX will not and i have disputed it 3 times. Ive called numerous times to erc and they keeping telling me something different. This is not the first time this has happened. In XXXX erc was reporting a debt that they never owned and XXXX would.not remove after multiple disputes and a year later it was finally removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit card
Issue: Rewards

Complaint:
On XXXX XXXX, 2016 I redeemed XXXX Everyday Rewards points on my Citizens Bank XXXX which entitled me to a cash deposit of {$120.00} to my Citizens Bank XXXX deposit checking account. The deposit normally takes 3-5 business days and as of XXXX XXXX, 2016 I have not yet received it. The redemption was made online. On XXXX XXXX, I notified the Everyday Rewards department by telephone and was assigned case # XXXX to my complaint. Since then I have made several telephone calls to check the status of my complaint but could not receive any information other than they were working on it. On XXXX XX/XX/2016 the branch manager of the XXXX ( PA ) branch called them in my presence and could not get any information. Given Citizens Financial Group 's past history of misappropriation of depositor funds, I can not help being suspicious of their behavior in this matter. I am therefore requesting the assistance of CFPB in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, 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  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: BlueChip Financial
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
When I called into payoff my existing balance on my loan for my Spotloan account on XXXX/XXXX/16. They told me that they are unable to process my payoff until XX/XX/XXXX so that they could collect more interest on my account. Since my finance rate is very high, I thought the process is unfair. 

Cordially, XXXX

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Midwest Recovery Systems
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
they keep calling. they wont send any verification of debt. they threaten to come to my place of work and have my boss sign papers. This is not my debt. I have never done business with a company called " XXXX '' now they placed the debt on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Midwest Recovery Systems
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX sent a false collection to Midwest Recovery System. Collection now hit my credit reports even though I never had any knowledge of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My House Primary Residence : XXXX XXXX XXXX XXXX, XXXX, MD XXXX PennyMac misinformed me that I can not re-instate my home mortgage or make payment on my past due account, # XXXX, despite Maryland law that provides me with the right to reinstate my loan by making past due payments at least one day prior to the foreclosure sale. I spoke with XXXX XXXX on XXXX XXXX, 2016. I asked for re- instatement of my loan, I was told that this was not an option because my account was in " foreclosure '' proceeding. Despite my willing and ability to bring my loan current, as a permanent loss mitigation option, and all my attempts to gain information to bring my account current, PennyMac has refused to assist, instead, I 've given the round around. Notices of foreclosure have not been given to me, instead I 've received letters to 'tenants '' from PennyMac. I learned on Friday, that PennyMac, has been sending personal and confidential correspondence to an incorrect address. I have told PennyMac that the address of the property is my primary residence. I have not received notices regarding foreclosure, and have been denied a legal right to reinstate my loan. Please help, all I 'm trying to do is bring my loan current!

Company response to consumer: Closed with explanation