BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a security freeze in place with Experian. I originally put this freeze by submitting an online request on Experian 's website and was provided a PIN number to lift the freeze as needed. I recently tried lifting the freeze by submitting an online request. Even though I supplied all the information requested, I have not been able to lift the freeze on my report. The website instructs me to mail several documents to Experian. Similarly I tried to use the phone number provided by Experian and even after entering all the required information and PIN, I was instructed to mail them a hard copy of several sensitive documents. I tried both the online method and phone method several times unsuccessfully. 

The requirement to mail several sensitive documents such as copies of IDs, social security cards and utility bills is against the nature of privacy protection and introduces additional risk in case mailed documents are lost or fall into wrong hands. Experian is not making an effort to make the process easier for consumers to put/lift freezes on their credit reports and this is not acceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute with Transunion that was notarized on XX/XX/2019 and sent certified on XX/XX/2019. It was received on XX/XX/2019. I called Transunion today, XX/XX/2019 spoke with supervisor XXXX XXXX at approximately XXXX cst and he stated it was received on XX/XX/2019 and they sent my dispute response on XX/XX/2019. I explained it was certified and asked him to check the dates and he refused. He insisted they had until XX/XX/XXXX. I also advised him I have a screen shot of their website showing that the response date wasXX/XX/2019 as well. I told him that they are in violation, that they were to respond within 30 days and they didnt and asked him to remove the disputed items, he refused. To date, I still have not received anything from Transunion. I would like the 5 items that they did not reply to in time removed immediately. I also had the dispute notarized, however I just have a copy of the letter I wrote prior to when I got it notarized but I have the certified mail receipts and the screenshots for proof.

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 2022-04-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello - My mortgage is financed through  PRMG ( Paramount Residential Mortgage Group ) . In early  XXXX  I received a letter stating that my loan was moved to a new service provider and that I would be receiving a new loan #. The letter went on to state that all payments beginning with the  XXXX / XXXX /  XXXX   statement should go to the new address using the new loan #, but that payments sent to the old address/using the old loan # would be honored for 60 days. I never received a letter with a new loan # so I sent the  XXXX  payment to the new address using the old loan # . PRMG cla ims they did not receive the  XXXX  payment and refuse to discuss this with my bank. Additionally, they did not mail the new loan #  s  until  XXXX / XXXX /  XXXX  . As of  XXXX / XXXX /  XXXX  , I still have not received my new loan #.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender has been sent a notice of error and QWR that needs a response on and the sale date is set for  XXXX / XXXX /  XXXX   - the lender needs time to respond to our request and postpone the sale date to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Interstate Recovery Service, Inc.
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 is not mine

Complaint:
I received a telemarketing call in  XXXX   XXXX  selling magazines, which was recorded, I refused to take the subscription when I was told the price and refused to provide my billing address. On  XXXX   XXXX ,  XXXX ,  Interstate Recovery Service  called me to collect a debt, stating they mailed a letter on  XXXX / XXXX / XXXX , which I did not receive, advising of the debt. I spoke initially to  XXXX  and relayed that I did not purchase the subscription, had never received a bill or any magazines and did not owe the debt.  XXXX  told me that this would be a refusal of payment and proceed to further action. She would only give me the name of the original creditor as "  XXXX ,  XXXX  '' and no contact information. I came to this website for further information and called  Interstate Recovery Service  back to obtain their contact information to formally dispute the debt in writing. I spoke to  XXXX , I was told that I could not dispute the debt because there was a recording of me accepting the debt, I explained that I refused the offer when I was told the actual price and did not give my payment information. After being placed on hold,  XXXX  finally gave me the mailing address of  Interstate Recovery and verified the Tracking Number  of  XXXX .  XXXX  told me that they would still be pursuing the debt since I refused their offer of settlement of {$780.00}.   The total amount of the debt is {$1100.00} for magazines I never received or agreed to purchase. I again explained do not owe this debt and therefore would not pay for something I did not owe.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-19
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX   XXXX  I wanted to explain our circumstances in this situation. My husband had a   XXXX   XXXX   XXXX   and we missed  one m ortgage payment. Made a deal with the bank to pay an additional {$200.00} per month. Which we did. Bank called  one day  saying they were no longer accepting our payments. My husband insisted on paying any way. The bank called again to advise they were n't accepting any mortgage payments. I asked where are the  3 pay ment I sent. The bank said they had no idea where that money was. So we did stop making payments since the bank was playing some type of game. A few months later we received a summons that they were starting foreclosure. We called the bank and they said do n't worry about appearing in court, this is just to verify we were living here. They advised us to try a loan modification, which we did. Then there attorneys contacted us with a three-month trial modification which we did. Paid them {$250.00} and them {$250.00} for 3 months to the bank. After we completed the program they said the investors decided not to go with it. We ended up in court and they were putting our house for sale. The judge advised us that we were suppose to answer the compliant. He considered the situation we were in and gave us 30 days to answer the complaint. We tried to handle it ourselves. We provided the copies of the  three checks that PNC had lied and said we did n't pay. Thinking this would be enough proof that PNC  lied. But it was n't and the judge ruled in their favor. Went to legal aid and they addressed our situation and we won. We then hired our current attorney,  XXXX   XXXX  had a trial and won the judgement. He advised the bank gets nothing. A new case was started without an appeal.  PNC just passed up the appeal process. PNC  's lawyers knew we had the checks where they said we defaulted. So then they changed the default date to  XXXX . Our lawyer addressed this to  XXXX   XXXX  the different dates. However all these lies did n't matter to her.  PNC  is involved in fraudulent foreclosures, the judge is aware but is bias to us and is reselling our house  XXXX / XXXX / XXXX . We won the first judgement and  PNC st ill does n't have proof of the right to foreclose on us as they are not the legal server of this note. We are being denied our constitutional rights and double-jeopardy is being used against us. We are in desperate need of help.    XXXX   XXXX   XXXX  XXXX  XXXX   XXXX  Case #  XXXX  won judgement  XXXX   XXXX  new  one PNC  still does n't have the legal right to foreclose but Judge  XXXX   XXXX  is allowing it Reported her to the Chief Judge and he advised all his judge are fair and follow the law Obliviously he is n't going to help us

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a monthly service with XXXX XXXX. On a specific occasion, I requested an add-on to my plan to allow for international data service. I then requested to have the add-on removed from my plan. XXXX nor myself were able to remove the feature due to an error message. Many different representatives at XXXX attempted to correct this but were not able to. Because of this, my phone bill continued to incur charges that amounted to a substantial amount of overage charges. I disputed this with XXXX after disconnecting my service with them, and they have referred my account to a collection agency, which is not allowing my dispute via XXXX credit agency to obtain written communications that occured between myself and several XXXX representatives.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Signed up  for Extended Repayment Plan, was promised my payment would be a specific amount per month but my payment amount has not changed for the past three months. Navient keeps saying I have to pay {$100.00} for a forbearance and then after a month my Repayment Plan will kick in, IT STILL HASNT. It 's been THREE MONTHS. I keep getting the run-around with Navient. They will not work with you even if your loan payments are more than your rent and the food you consume. This past month, the lady on the Navient customer service said to just pay a payment for {$270.00} ( my Repayment Plan amount  ) and I would not get a past due amount, and guess what I have a past due amount. This is ridiculous. I do not know what to do anymore, but this is n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: STATE EMPLOYEES CREDIT UNION
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: Old information reappears or never goes away

Complaint:
This Credit Union of North Carolina State Employees to be exact is reporting old information. They have received the property back plus, charged off the account, and is still reporting on since XX/XX/2014. This account has been written off why is SECU violating me on this matter of still be compensated for an account that has been written off plus has received property back over 7 years ago. Please cease with the illegally furnishing allowing me to still lose on deals because of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 an attempt to correct my XXXX and TRANSUNION credit reports. On XX/XX/2019 I identified a fraudulent and unrecognizable account on my credit report that had been opened without my consent. Please block listed account below : XXXX PERSONAL LOANS I am requesting the account to be removed permanently from my credit reports. This account is fraudulent, unverifiable, and violates my consumer rights.

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 2021-12-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, Thursday, money amount XXXX US dollars was sent through XXXX XXXX  online transfer ( chase ) on the XXXX account ( XXXX ID : XXXX, Name : XXXX XXXX  ). After sending, while send money was pending, my online bank account blocked. I called the chase bank customer and the contact information on the back of my debit card several times. After calling of several times, they finally picked it up at the end of the day. They asked few questions for personal detail so they can unlock the account. They did unlock the account but were unable to cancel the transaction since the money was already gone. I requested them to cancel the transaction but they denied it instead refer me to call XXXX customer service. I called the XXXX  customer service but refused to help, telling me the XXXX transfer was from my chase account. I was running back and forth between chase and XXXX but neither of them helped me at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: TN
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:
not mine : FCRA violations : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Arbor Residential Mortgage LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage on my renal property was sold  by one com pany to another in   XXXX   XXXX   XXXX     and I was under the impression that I needed to mak e two mortgag e payments to the new lender in  XXXX , as they were taking over the loan as of  X/X/16   . Because of the mix-up on my part, I missed my last payment  (   XXXX   XXXX   ) with  the previous lender and they reported me to the credit bureaus as being 30 days late. As soon as I realized my mix-up, I m ade two payments i n   XXXX   to the new lender to bring the loan current.     I had never been late with my previous lender, so I called and asked them to do a goodwill adjustment to remove the 30 day late because it is impacting my ability to refinance my current home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: WA
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, the following accounts have violated my rights. 
XXXXXXXX XXXX Account XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, 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 2018-03-10
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
It states that I applied for a chase card which I did not. In XX/XX/2017 that is a hard inquiry that's on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed inaccuracies on my credit report with all 3 credit reporting agencies XXXX XXXX XXXX and Transunion XXXX on XX/XX/2020 that XXXX XXXX fails to correct. I have disputed with XXXX XXXX and provided proof of payments for the months they reported me as XXXX  days late, when in fact I paid as agreed. The CRA 's disregarded my dispute and continued to publish inaccurate information after providing them with the proof. They have violated my consumer rights and the FCRA by reporting inaccuracies and saying they verified the information was accurate. How is it possible to verify accuracy with the company I'm informing you is reporting the inaccuracies. Even after providing proof both XXXX and the 3 CRA 's fail to update my credit file to paid as agreed. 
I mailed several letters to the CRA 's and have not received a response back from XXXX. I have included copies of certified mailings and receipt returns. 
I also kept record of XXXX XXXX and they continue to report negative information to the CRA 's. However, I find it STRANGE that they do not report me as being late in their customer portal database, which was disturbing to receive a letter of Notice to Right to Cure in XXXX  days. This is ludicrous! XXXX retaliates by calling the balance to be paid in full after I contacted them inquiring about inaccurate reporting. 
My credit score has been seriously affected by the inaccuracies and have caused me to not qualify for loans that I would have been able to receive approval for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card with Discover. I applied for an additional credit card they offer and they responded by lowering my credit limit asserting I had a delinquency and a high balance.. I have made my payments on time and not provided any other reason for reducing my credit limit, other than applying for another credit card. I am a single woman, head of household and I believe this action by Discover is discriminatory and retaliation for my seeking a credit card. 
I want my credit limit restored. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation