BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
ON XX/XX/2020 EXPERIAN SAID THEY VERIFIED THE PUBLIC RECORD, IN MY CREDIT REPORT IT SAID XXXX XXXX IS THE COMPANY TO CONTACT. I WROTE XXXX XXXX AND THERE RESPONSE WAS, I HAVE NO PUBLIC RECORD

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 2022-05-24
Company: Experian Information Solutions Inc.
State: FL
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 am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have duplicate accounts and unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In 2011 I moved to be with my XXXX father, a VA Veteran, XXXX. I moved from XXXX to XXXX NV and informed Infiniti via phone to update the billing address on file. So that the payment would work. Apparently the lady that " helped '' me never completed the address change. Once I got the forwarded late payment notice from the USPS Mail Forwarding I had set up, I paid the payment to the car. I called and asked if they could wave it since it was their fault, the refused. I was NEVER late like that. I pay my bills. I have XXXX % credit utilization. Now this late payment is stopping me from getting a FHA/VA Loan for my XXXX house. I want the late payment removed since I was technically helping a VET, who served his country for 30 years. My dad has since passed and he would want me to stand up for what is right here. DO THE RIGHT THING INFINITI. Remove this 5 year old " 30-day '' late payment on a {$42000.00} car I bought and payed off clean as a whistle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX of my parents died in 2014 and their names were on the mortgage held by Penny Mac. After they died, as their executor of their estate, and their daughter, I tried to get Penny Mac to talk to me concerning their mortgage because I was having trouble paying the mortgage at the time and could not afford to hire an attorney to start their succession. I needed to restructure the loan, but they would not help me because the mortgage was in their names. Penny Mac told me on XXXX different occasions to send in their death certificates and wills, which I did and they would help me. I sent them on XXXX different occasions and also sent them copies through email and when I would call they would give me the runaround, like they never received them, they were n't in the computer, the law department had not seen them and signed off on them yet, etc. They sent me a foreclosure notice and now the home I have been living in for 40 years is going to be sold next week at auction and because they would not work with me, I am now forced to file bankruptcy on my parents estate to stop the foreclosure. I have been told that Penny Mac Board of Execs are made up of the people who caused the housing meltdown and are getting double paid for houses going into foreclosure, through insurance and monies collected through foreclosures. Their names are on the mortgage and the succession has not been done yet, so this ca n't legal, can it??? Penny Mac seem unable to helpme and want me to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Please REMOVE these items as soon as possible. 
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 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 2020-09-28
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX XXXX2020 my account was closed they didnt send an email or anything they told me I could cash out by adding a new card or account to the account I have done so and they said they couldnt link the account I have been emailing them every week since. I have reached out via XXXX, and XXXX first they told me about the section they closed the account which still didnt give a reason to my account then after constantly writing them the saying Im going to sue them for keeping my money they blocked the transfer feature and now have my {$720.00} locked on that account I cant add a email or number to the account I dont want to log out because I wont be able to get back in the account. My account been closed since the beginning of XXXX its XX/XX/XXXX there isnt any recent transaction to go off. They are not responding anymore all I want is my money off that account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Rozlin Financial Group, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt letter from a 3rd party company that was sold debt by XXXX. My account had been closed with XXXX because they locked it saying I had an inappropriate caption on a photo. They can't require me to pay membership fees for an account I can not access, so I set up a block on my bank account to stop the fees coming out. I have no business relationship with this 3rd party who was sold debt I don't owe, so I am not paying it.

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 2015-07-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
This item Nissan Motor Acceptance account # XXXX .... And account # XXXX ... .is inaccurate because the Notice of Sale was held Wednesday, XXXX XXXX XXXX with a balance of {$33000.00} and sold at XXXX at XXXX New Jersey , XXXX XXXX XXXX, XXXX , NJ XXXX. XXXX XXXX XXXX amount {$32000.00} was owed and total balance due of {$1000.00}. XXXX Credit Report XXXX XXXX XXXX reports Nissan Motor Acceptance Company reporting High Balance {$34000.00} and Past due balance of {$16000.00}. XXXX Credit Report XXXX XXXX XXXX reports High balance {$34000.00} with charged off of {$17000.00} and reported secondly on XXXX Credit Report High Balance {$34000.00} as Transferred, closed of {$18000.00}. I am requesting that the item be removed immediately due to violation of the Fair Debt Collection Practices Act:

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on the items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the items are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$5600.00}, XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$2400.00}

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 2022-08-29
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on the items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the items are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$5600.00}, XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$2400.00}

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 2022-05-24
Company: EQUIFAX, 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:
This is my second time doing this complain I feel that the credit bureaus our taking advantage of me and not taking me serious when I ask them to properly investigate my accounts, these accounts are NOT accurate!!! 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 so this is IDENTITY THEFT! 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Homebidge Financial Services and XXXX are my mortgage service company. I have made all my payments on time and those payments posted to my account summary and the last payment for XX/XX/2020 posted on XX/XX/2020, and 3 days later I received an email from Cenlar telling me I am in FORBEARANCE. I never asked to be in forbearance. The website has forbearance information on the Mortgage account page which does not allow you to advance to your account without clicking on the CLICK HERE section, I clicked it so that I could get to my account and make a payment and 3 days later I received a forbearance email so I called XXXX the only number available and they began to give me the runaround, telling me that they will get someone to fix it, put me on hold for hours at a time then disconnecting me. I have been calling them since XX/XX/XXXX to fix this issue and each time they say/do the same thing. They say " Please hold while I get someone to fix this issue '' then they put me on hold, they come back after about 15 min and say " Please continue holding '' then put me on hold again and this goes on for hours EVERY DAY. They have been sending me letters saying if I do not make my payment or fill out the forbearance paperwork that my house will go into foreclosure. Each time I call them I tell them I never asked for the forbearance and I want them to fix it, take it off of my mortgage and put my payments back on my mortgage. Today I was told by XXXX employee # XXXX ( probably fake name and # ) that she is going to put in the notes that I asked them to remove my mortgage payments so that my account will be delinquent, I told her that is a fraud and she said that is what she is going to do then she put me on hold and disconnected me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached and FTC report with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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:
This is my second time doing this complain I feel that the credit bureaus our taking advantage of me and not taking me serious when I ask them to properly investigate my accounts, these accounts are NOT accurate!!! 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 so this is IDENTITY THEFT! 

ACCOUNTS 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 2022-08-29
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
When we got our first bill it said we owed {$900.00} for XXXX XXXX now this came from a debt collector saying we owe {$2800.00}! We already paid the {$900.00} amount months ago for the only bill I received so I believe there is a mistake.

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 2015-12-08
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
XXXX XXXX XXXX is continuing to sell debts to its companies XXXX of which is NCA ( National Credit Adjusters ) so as to make it appear that they are following a decision recently not to collect any more debts or sell them to other debt XXXX. XXXX XXXX has different departments. XXXX and XXXX for NCA so they will not be caught again collecting debts in their name which XXXX XXXX but actually this is their company too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PennyMac USA failed to pay our real estate taxes due XX/XX/XXXX. They told us that the local taxing authority told them it was already paid. Our local authority disputes that and said that the bank never called them, nor do they ever. I now have a delinquent notice which I faxed to them yesterday and they can not confirm that our taxes will be paid, nor when they will be paid. They only tell me the next scheduled payment is XX/XX/XXXX and they will try to get it escalated. These taxes need to be paid immediately. I 've spent two hours on the phone with them and I am at the end of my rope. The tax department does not take phone calls and they offer no assurance that I will be notified if and when these taxes are paid. Meanwhile, I am listed as delinquent with the local authority which is embarrassing as this is a small town. There is more than sufficient funds in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I recently learned that my loan provider offers interest rate discounts with enrollment in Auto-Pay. After enrolling, I learned that the interest rate discount is lower than initially informed. I communicated with my servicer and was informed that the different " disbursements '' in my account offer different interest rate reductions. In addition to making almost two years worth of regular payments and not knowing that I could reduce my interest rate with auto-payments, I was never informed that there were multiple " disbursements '' on my account. I have now payed over {$3200.00} in additional payments over the last 8 months that would have payed off at least one disbursement that did not offer a lower interest rate, thereby reducing my weighted interest rate faster. This is all because the information that benefits me as a consumer is not available on my servicer 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$19000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX/XXXX  XX/XX/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 XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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: Account status incorrect

Complaint:
XXXX XXXX admitted in the last complaint through the CFPB that the is not contractual obligation to pay because myself and XXXX XXXX does not have any form of a contract. Please read the respond of the attachment. 

Also, the debt was never validated. The ledger XXXX XXXX claims to show proof is false. Attached is the ledger from XXXX XXXX and an account history that shows the disbursements from my loan provider. The disbursement highlighted shows a different amount and date than the refund XXXX said were provided which is also highlighted on the ledge XXXX XXXX provided. In order to validate a debt, a contract between the parties must be signed and dated, all details must be correct, and provided through documentation. 


XXXX XXXX failed to provide any form of any contracts between myself and the company. However, XXXX has proceeded to collect on a false debt not owed to them and continues to place negative information on my credit reports for years. Therefore, I am not legally liable to pay any monies to this company. The harassment must stop

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 2022-05-24
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Check number XXXX posted on XX/XX/XXXX from XXXX for XXXX. This check was written for XXXX. I called to request an item adjustment on XX/XX/XXXX which was not submitted correctly. On XX/XX/XXXX they resubmit and assured me my account would be credited! It has not! I have made multiple attempts to contact a manager, no one has called me back, everyone acts like they dont know what Im talking about when I call. I would like my XXXX back. Its been ample amount of time for this to be credited!

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