BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: D2 Management LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received phone calls from unidentified reps of D2 Management LLC, I only was made aware of the company name when I returned the call after I was repeatedly asked for personal information including DOB, SS # even my phone number after calling me. When I asked several times for them to identify themselves, their company, and the purpose of their call they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received another letter from PennyMac about flood insurance and not being covered ... They are escrowing my insurances and taxes and the insurance company has sent them renewal notices but they have failed to pay the premium. This is second time I have filed a complaint and went over all this with them ... .My flood insurance has been with the same company going on the 3rd year and address is the same. I had to send them copies by fax Fri XXXX/XXXX/2015 in which they agreed they received it. I have to send them certified registered or fax confirmation for them to acknowledge they received copies of my insurances. My insurance company and agent are tired of the games and so am I. My insurance company tired of sending them copies of coverage and the bills which they do n't pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
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: Investigation took more than 30 days

Complaint:
One XX/XX/XXXX when signing the original loan documents papers with XXXX XXXX. During the signing process the loan representative changed the original loan documents causing the original loan approval to be deleted. The loan representative keep trying to get the loan reapproved but his actions resulted in multiple hard credit inquires and letters that the loan was declined. I was finally able to sign for the loan on XX/XX/XXXX. I called Transunion but was told that I need to file a police report and send them a copy of the report. They refused to open a dispute. 
I mailed a letter dated XX/XX/XXXX to XXXX XXXX disputing the multiple hard inquiries. I confirmed, by phone, that the letter was received on XX/XX/XXXX. 
Their response was to send me letter why my loan was turned down instead of investigating the issue. I have made several calls to get a update on my dispute but only receive a run around. My last contact with XXXX XXXX was on XX/XX/XXXX. I was told that my file was given to someone who was investigating the dispute and finished it XX/XX/XXXX. I was also told that I may to start the dispute process over.

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX and TransUnion credit reporting agency. I request that CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate information listed on my credit report, once their investigation is complete, find my allegation to be true, please remove these items as soon as possible : XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 2017-05-26
Company: IQOR US INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Happened on  XXXX / XXXX / XXXX  They claimed I owed {$290.00} over a credit card I never owned. They knew the la st 4 di gits of my social and my address. They claimed the account was opened in  XXXX  with my current address when I did n't live at my current address in that year. Their language was abusive and harsh and did n't let me speak, they just kept demanding money and payment.

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 2021-03-20
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I am having problems with several Mobile Apps along with a series of unexplained charges and delays in proper credits to my American Express Serve Card. My current issues with American Express starts with a review ( hold ) on a {$63.00} credit from XXXX, instead of letting it credit back to my account Amex has it under review. The next issue is a series of XXXX rides on XX/XX/XXXX. I booked a ride for {$7.00} to XXXX XXXX, I waited 2 hours that driver never showed up. The next two rides from XXXX were approved The first ride was for {$15.00} ... XXXX credited the no show ride of {$7.00} to this ride and charged {$7.00} to cover my 2nd ride for a total of {$15.00}. That would be $ XXXX minus {$7.00} that had already been paid from my no-show ride. My 3rd ride from XXXX on XX/XX/XXXX was for {$15.00} there was sufficient balance for this charge. This morning my account is - {$7.00} I have been on the phone in queue over an hour with Amex and can't get sufficient assistance. 

I briefly ( after a long wait ) spoke to an Amex Representative that identified herself as XXXX ... when I requested an explanation of why my account was - {$7.00} in my main account and also an explanation of delays with multiple credits due my account. I was given notice my fees for XXXX were waived yet {$23.00} in fees are showing charged to my account. XXXX transferred me to another Department ... I was alsoI given a number to call incase the transfer from XXXX was disconnected XXXX ( XXXX ) XXXX ... I stayed in queue about an hour when XXXX transferred me and I then tried calling directly without a Representative answering the phone after waiting over 35 minutes. 

I have a pending charge from XXXX on my Amex for a canceled food order of {$25.00} from XX/XX/XXXX. My order only cost {$25.00} and XXXX allegedly refunded these charges on that same date. Right now more than I approved for this canceled order is still pending on my Amex account {$25.00} and additionally smaller charges at XXXX each. 

I am desperately looking for safe banking options so that I can change from American Express. I am owed credits of approx {$100.00} to my account that are just floating around in Cyber Space. Please imagine my surprise being due money and having an unexplained- {$7.00} ( negative ) balance on my account this morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09
Company: DriveTime
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XX/XX/XXXX I purchased a XX/XX/XXXX XXXX Note from DriveTime in XXXX, KS. The Sales Representative XXXX said the " optional '' warranties were cancellable. We stated we did not want them prior to the contract and sale. She did not act to remove the warrantee products that were financed. I should have known better. She gave me the understanding that they were required, despite the optional nature indicated in the contract. This was recorded. There should be a record that we did not want the warranties. Her inclusion of the XXXX products in the contract should not have been done given our misgivings about the products and the lack of need for their coverage on a XXXX mileage vehicle. DriveTime has a history of sanctions by this Federal Agency for collection practices. This sales practice is unfair and deceptive. The warranty should not be automatically produced in the contract for the sale, increasing the almost XXXX percent APR financing of the {$5200.00} for GAP, Service and Anti-theft warranty products. I signed the contract with the understanding I did not want these XXXX products. The representative failed to remove the products from the contact, stating they are cancelable. I was not able to execute the cancellations until today, XX/XX/XXXX. The product is prorated and financed. I requested their customer service representative to pull the video of the contract signing. I specifically stated I did not want these products and the sales representative failed to remove them.

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 2022-10-12
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-07-05
Company: DriveTime
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My daughter wanted to purchase her first car on her own, but even though her credit score qualified, she did not have sufficient income, so I had to co-sign with her in order for her to purchase a car through DriveTime. The information presented during the financing of the vehicle was extremely misleading, because nowhere does it spell out that XXXX-XXXX % of your payments will ALWAYS go to interest, which means you will ALWAYS be upside down on your car loan. Our intention at the time of purchase was to get the car, pay on it for 12 months until she could qualify to finance on her own and then refinance it to remove my name. That will never happen because of the way that they setup the payments and interest. This should be not allowed. These people take major advantage of folks and then leave them hanging with no way out. Additionally, they consider you " delinquent '' on your payment if you are one day late, and no matter who you talk to and notify them of when you will be making the next payment, they call continuously and pretend they have no notes about your payment. Surely something can be done about these people!!!! This is ridiculous. Now my daughter qualifies for a loan on a brand new vehicle with more than one bank, but because of how the loan is structured with DriveTime there is no way for her to trade it in or refinance it. Her only way out is to let the car go back to DriveTime which would immediately ruin her credit that we have worked so hard to establish. These people are crooks!!!!

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 2016-07-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax responded to a complaint and they state that the status of the XXXX account has been updated to PAID IN FULL. However, they still list the STATUS as CHARGED OFF, which is not the case. The information that they received from XXXX in order to update the reporting is that the account is that it is PAID IN FULL. I have uploaded that document. That is the current STATUS and it is required by law that it is reported that way by the credit bureaus. 
Charged off is an IRS term meaning that XXXX offset their taxes with the amount. Now they have to reverse that process and report it as INCOME, once it is paid in full the status of CHARGED OFF no longer exists. The amount has been disputed for three years due to XXXX unfairly charging overdraft fees. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Flagstar Bank, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank is the mortgage servicer for one of our investment properties. They recently changed their policy and no longer accept payments from business checking bank accounts. As this is an investment property there are only business accounts associated with this property and now we are being forced to pay with a personal account and reimburse ourselves from the business account. This creates an undue burden to our CPA/Tax Accountant and in filing our taxes.

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 2020-03-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
EQUIFAX HAS ACCOUNTS ON MY REPORT THEY REFUSED TO DELETE. THESE ACCOUNTS HAVE BEEN DELETED BY XXXX  ACCORDING TO THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received a letter dated XXXX XXXX, 2015 from Barclaycard which memorialized a conversation between myself, Barclaycard and XXXX. The letter from Barclaycard states XXXX canceled my subscription and provided a cancellation reference number XXXX. To date, I have continued to receive erroneous " subscription '' charges on my credit card, late fees, and other charges on the card. I paid off the card to a XXXX balance in XXXX 2015 and yet, each month, additional charges appear on the card under the guise that I am responsible for paying it. I want the account closed and the charges to be reversed since I have not authorized a single charge to the card in more than 5 months.

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 2016-04-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am still waiting for PennyMac to release insurance funds meant to pay for a repaired roof. 
The XXXX tree that snapped and fell on my house in XXXX has been removed, the roof repaired, inspected, and all requested documents have been received, yet PennyMac refuses to say when I can expect to receive the check. Their representatives reveal new and unexpected delays every time I call, always adding that I can expect further delays if something unforeseen arises. Tomorrow will be XXXX XXXX, and PennyMac expresses no regret that I and my family have been severely inconvenienced by what appears to be a deliberate strategy to earn as much interest on the funds as possible. Numerous allegations of loss draft fraud by PennyMac can be found online. All contain similar stories, and advise customers to reach out to agencies such as this, and the state attorney general 's office as the only reliable way to encourage PennyMac to uphold its obligation, and not exacerbate catastrophes simply to make a few a dollars at their customers ' expense. When I asked if there is anyway to expedite this process, their representative told me that my case would " have to wait just like all the others. '' I should add that my mortgage payments have never been late, and that I had no reason to anticipate such blatant disregard for my time and situation. Travel plans have had to be postponed due to these unjustified delays, and I am deeply XXXX to pay the contractor whose urgent work was done in a timely manner. How many more months will it take for PennyMac to release the funds? How long can they legally postpone payment by claiming their various internal procedures must first be met, like XXXX to 5 days for each of several stages, like requesting the check, receiving it, sending it, and XXXX delivering it? I do n't believe these delays are legitimate, but merely designed to take advantage of their customers during a time when cooperation from their lender is most needed. It is a shameful and demeaning way to operate a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This is another complaint with equifax and has to do with my other complaint Case number : XXXX why are they reinvestigating that account with the furnisher? are there any humans working there? the dispute is with EQ not the furnisher. EQ allowed previously deleted collections account with XXXX to be reinstated without notifying me and breaking the law. Are there any humans working at the CFPB? it seems EQ and CFPB JUST USE AUTOMATED SYSTEMS TO ANSWER EACH OTHER. THEIR RESPONSE IS REINVESTIGATE. WHICH IN 30 DAYS WILL COME BACK AS VERIFIED. WHEN THAT IS NOT MY COMPLAINT. MY COMPLAINT IS WITH EQ NOT XXXX. BUT YOU LET THEM GET AWAY WITH IT. NOT ADDRESSING THE COMPLAINT FILED. IM A XXXX VET AND IM GETTING TIRED OF THE RUN AROUND. MAYBE ILL WRIGHT A LETTER TO PRESIDENT OBAMA BEFORE HE LEAVES OFFICE. HE CARES FOR VETS. THIS IS WHAT THE FCRA SAYS ABOUT DELETED ACCOUNTS. TELL EQ IF THEY DONT REMOVE THAT ACCOUNT IN 1 WEEK IM GOING TO SUE THEM FOR BREAKING THE FCRA LAWS. 

( ( B ) Requirements relating to reinsertion of previously deleted material. 

( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
outdated information on my credit report.Child support case is over 8 years old should only have been on report for 7 years. Equifax argues that it is not a negative so it can stay for 10 years.I argue that it is a negative, it is lowering my score and in fact it shows as negative strike in my credit report.So i feel that it is def. a negative report even though it has a XXXX balance and should be removed immediately.

Company response to consumer: Closed with explanation