BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-11
Company: Stellar Recovery, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A COMPLAINT was filed by me with CFPB in XX/XX/XXXX, concerning an identical entry on my XXXX credit report by STELLAR RECOVERY INC., their account number XXXX, ( " STELLAR '' ) using their address as XXXX XXXX XXXX XXXX, XXXX, FL XXXX and NOT STELLAR 's office at XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX. My COMPLAINT to XXXX stated in part : " Never contacted by Collector who is scavenging. XXXX agreed to reverse charges when I moved out of service area in XX/XX/XXXX and subject to [  my Plaintiff 's litigation ] XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, US District Court Oregon ( XX/XX/XXXX ). '' After being contacted very timely by CFPB, XXXX  deleted the collection item dated XX/XX/XXXX. I would appreciate the same from XXXX and for the same reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I appear to be at risk from the Equifax data breach I have requested a credit report from Equifax XXXX via XXXX ) but am informed that it is not available

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: PENTAGON FEDERAL CREDIT UNION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a credit card with penfed credit union based out of XXXX, XXXX. There were series a fraudulent transactions happened on my card on XX/XX/2022 in a span of few minutes gap. I immediately reported the issue and they issued credit for only one transaction and they denied the other two transactions. I have been following with them every day and asking them to investigate the issue as I have not used the card for the two transactions they charged. They refused to give any explanation on the charges and they reported the issue to credit bureaus. I request your kind attention to intervene and remediate the issue. Again, I have not used this card for any transactions. They want me to reopen the transactions as fraud and when I call them they are not responding to the calls. Its impacting my credit score. 

XXXX {$29.00} XXXX TX ; XXXX {$4500.00} ZTLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; These are the transactions that happened.

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 2019-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Inaccurate personal information being reported to my credit profiles

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion is reporting three late payments furnished by a creditor. In order to report this on my credit file, Transunion never properly investigated this information. Did they interview witnesses? I did not consent with either agency to share my personal information and they are breaking the law. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2022-01-14
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A Discover agent contacted me in late XXXX to request that I make a payment. After discussing the amount due I agreed to her offer of setting up installment payments only because she assured me that my account wouldn't be reported to the credit bureau because of the installments being set up. Apparently she was incorrect because after 2 of the installments had been made I later received an alert from XXXX of a 30 day late payment from Discover. I've disputed with the credit bureau and requested that the recorded call be listened to but that was not done. My dispute was closed and all that was done is Discover sent the status of the account as of the date they responded to the dispute. If I had been given accurate information I would have made a payment for the full amount due in order to bring the account current. 

Next issue : For years I've had my wife assisting in communicating with Discover but I had to add her as an authorized user on XX/XX/XXXX because the rep said she had to be added in order for them to speak with her. So I added her but discover did not disclose that they'd report on her credit report information from 30 days prior to adding her which puts that 30 day late payment on her account. There's no way that is fair to a consumer. That should be disclosed when you are in the process of adding an authorized user. How is it fair to a consumer to add credit activity to their credit report when they didn't have access to that credit during the period of activity or during that billing cycle. As I am typing this dispute Discover has said 5o my wife that they are going to review the call and they think that they know what happened but they will be able to confirm and get back to me in XXXX business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: MicroBilt / PRBC (formerly CL Verify)
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've sent documents requesting my report and a security freeze. I have yet to get what I've requested. I look forward to receiving the proper documents I've requested as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have repeatedly paid my bill by way of mail. The first payment I sent was on XX/XX/XXXX certified mail tracking number XXXX. I did not hear anything back from Bank of America. I then sent a second payment on XX/XX/XXXX certified mail tracking number XXXX which was delivered on XX/XX/XXXX at XXXX pm. It is now XX/XX/XXXX and I have yet to have the payment reflected on my account. I have given ample time and have called Bank of America numerous times about my payments and have yet to receive a response as to why my payment has not been reflected on my account. I want to submit a billing error complaint and get this resolved.

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 2018-10-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contact XXXX to help counselor me with process and they forwarded it to Penny Mac. I followed up with Penny MAC on Monday was told they have paperwork for XXXX was put on hold briefly a different pert came on call I was then told they I need to follow there instructions and they was accepting paperwork for XXXX that I need to do it directly. Im having problem with payment because I have been sick for several months and cant make payment. Before this made it to this point I reached out to Penny MAC for help they say I was current and they couldnt help but I was telling them I been ill for awhile but still had cash to make payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I collect my salary under the XXXX platform, 3 months ago I made a transfer to Coinbase to buy Crypto, make transactions and then withdraw my money to another account. 
On XX/XX/2022 the company informs me that my account has remained restricted and does not let me operate, it does not give me any warning or excuse as to why they made this decision. 
When I contact Coinbase support, they don't give me an answer, they just tell me that they don't support the country I'm in ( XXXX ), but until last month, I could operate normally. 
So, they have withheld my money, saying that I can only convert it within the platform, but not take it out. 

Attached 3 images : 1- My account disabled 2- The test that in XXXX, I was able to transfer normally 3- Coinbase support saying that in my country only conversion is available

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
SPS is the mortgage servicer for the mortgage on my mother 's co-op apartment. I am the executor of her estate. My real estate attorney requested pay-off documents on XX/XX/XXXX for the sale of the co-op. Nearly 3 months later and they are still unable to provide the documents. Our sale is in danger of falling through if this drags on much longer. They seem never to have the documentation they should legally maintain. They repeatedly claim to be " expediting '' the matter with nothing changing for weeks. Attorney has been contacting them daily only to hear the same excuses and delays.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: ALLY FINANCIAL 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:
My XXXX XXXX journey was in arrears by I think it was around {$1700.00}. A tow truck did come and pick up the car. However, we paid the full amount and received the car back. The car was never repossessed. Ally financial initiated the process, but never went through because we paid the arrears. Now, the car is being reported on my credit report every month, and it showing that I have made absolutely no payments for the year of XXXX. I have tried to fix this with the company to no avail. We still have the car and have been making on time payments since we have received the car back. I have argued with everyone and no one well help me. The balance reported on my credit report is wrong, we have the car and have attached a picture of the balance owed, and that we have the car. I also attached a picture of paying the {$1700.00} to redeem the vehichle.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: AZ
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2022-06-16
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
2 Remaining Negative Accounts. 

Account Name : NAVIENT Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Midland Credit Management is in violation of 15 USC code 1692e by reporting a derogatory account that shows the account type as a " debt buyer '' on my XXXX report while also reporting it as a collection. On my XXXX report they are reporting account type as a " Factoring Company '' while also reporting it as a collection. And on my XXXX report, they are reporting the account type as " Debt Buyer '', while simultaneously reporting it as a collection. 15 USC code 1692e clearly states that it is a violation of federal law. 

In addition to their violation above, on my XXXX report they are also reporting the account as closed and are not reporting the date is was closed. By doing so they are inadvertently attempting to reage the account. The Fair Credit Reporting Act says that reaging an account is illegal. 

They are also reporting a balance other than XXXX which is also incorrect. 

Midland Credit Management must close this negative account, and permanently delete it from all credit bureaus that are currently reporting it under my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-24
Company: Resurgent Capital Services L.P.
State: GA
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 submitted a complaint against LVNV Funding XX/XX/2019 it was stated that the said account would be removed from my credit report the account was never removed and it is harming my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: TD BANK US HOLDING COMPANY
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collection letter from XXXX dated XXXX XXXX that is not mine. It was a fraudulent account. I have previously communicated with Nordstroms that is the owner of the account with out success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My repayment of my student loan started on XX/XX/XXXX, and my loan has changed between three lenders ( according to my knowledge ) .XXXX to XXXX to Navient to XXXX then back to Navient XXXX When my loans switched lenders, the amount went up and since then i have been trying to request my full report of payments and balances. I have not been able to get the information i have requested for several years. It looks like they back charged me interest, even though i have been continually repaying on my loans since XX/XX/XXXX. After doing my own research on my account with Federal Student Aid : I found that I borrowed a total of {$51000.00} ( combination of one subsidized and one unsubsidized ) from XX/XX/XXXX to XX/XX/XXXX. My loans were consolidated on XX/XX/XXXX with the total being {$55000.00} and then consolidated again on XX/XX/XXXX with the total being {$53000.00}. According to Federal Student Aid I have paid a total of {$13000.00} from XX/XX/XXXX to date, but there is no record anywhere of my payments made from XX/XX/XXXX to XX/XX/XXXX. I have made 79 monthly payments since XX/XX/XXXX and by current balance as of today ( XX/XX/XXXX ) is {$50000.00}. I take full responsibility of repaying my loan, and i have been willingly trying to pay of my debt since XX/XX/XXXX. I am not trying to find any kind of forgiveness of my loan, but i believe that i have been cheated by XXXX and Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Rocket Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am disputing a fee on my credit card dated XX/XX/XXXX in the amount of {$500.00} by the merchant QuickenLoans/RocketMortgage. This charge represents a good faith deposit for a mortgage application. The loan number is : XXXX. 
Quicken Loans knew or should have known that my loan application would never be approved. Therefore, it never should have proceeded and I would not have in good faith agreed to the initial {$500.00} charge. RocketMortgages/QuickenLoans action constitute deceptive trade practices and I am entitled to a full refund. 
My profession is a XXXX XXXX XXXX I currently own 7 properties. I have applied for mortgages to purchase properties and mortgages to refinance properties numerous times in my 25 year career. I am very well versed in the process. 
I applied with RocketMortgages /Quicken Loans to refinance an existing mortgage. I completed the online application forms and I spoke at length with XXXX XXXX XXXX ( XXXX XXXX ) at RocketMortgages. 
I informed XXXX that I was a XXXX XXXX XXXX, that much of my income is derived from rental properties and that several of my rental properties were short-term rentals ( i.e. AirBnB, VRBO, etc. ). He assured me that this would not be an issue. I discussed this in great detail with him because I know from past experience that every lender treats rental income and self-employment income differently. Again, I was assured by XXXX that this would not be a problem. 
Having received those assurances from XXXX, I agreed to the good faith deposit of {$500.00} and to proceed with the application process. However, it is clear that RocketMortgages/QuickenLoans did not proceed in good faith. They knew or they should have known that they would not be able to approve my loan because of my self-employment and investment income. 
Subsequently, my loan application was denied because Debt to Income : Self Employed Income not supported. ( see attached letter from QuickenLoans dated XX/XX/XXXX ). 
It is my position that RocketMortgages/QuickenLoans knew or should have known that my loan application would not be approved because of my income source. Their actions constitute deceptive trade practices. They never should have proceeded and I would not have in good faith agreed to the initial {$500.00} charge. Therefore, I am due a refund of the {$500.00} fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10
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:
Per the Fair Credit Reporting Act, Equifax , Inc 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 : A consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: SYNCHRONY FINANCIAL
State: MD
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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