BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
fourclosed on by PennyMac XXXX XXXX XXXX affordable mortgage mod. trail end XXXX XXXX approved for mortgage modifacation signed doc XXXX have made all payments PennyMac says modifaction, has not been excepted you are in fourcloser XXXX We have made our payments as per modifacation Asked where are the payment going? 
We are told to pay for fourcloser. 
We told them, the fourcloser was dismissed. 
PennyMac says no it was not. XXXX We have never recieved accuarate numbers from PennyMac We have been over charged, by inspection fee The inspector tells my nieghbors we are in fourcloser Mortgage sold again XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: EQUIFAX, 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 several incorrect and inaccurately reported items on my credit report by sending this credit repository a letter last XX/XX/XXXX.One of the disputed items is Bankruptcy : Discharged XXXX ref # XXXXwhich according to the court has been dismissed last XX/XX/XXXX. This proves that no investigation was done by this company and that their records are outdated. The other items I disputed are listed in the attached files. These are copies of the letters I sent them last XX/XX/XXXX and the letter I am sending them today. Inaccurate and incorrect information such as account opened date, payment history, highest balance, status, closed date etc. are still reporting and violation FCRA, FDCPA and the bankruptcy law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28
Company: Experian Information Solutions Inc.
State: CA
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:
I had a Chapter  XXXX  Bankruptcy that was Discharged on  XXXX   XXXX ,   XXXX  . Part of the BK was a mortgage loan with  XXXX   XXXX . Experian has " miscoded '' the  XXXX  trade line to show as a "  XXXX  '' ... which means Foreclosure. I did NOT have a Foreclosure ... I in fact still live in the house. They have also put verbiage in the " remarks '' section of the report stating that I had a Foreclosure ... I did not. I need the Code "  XXXX  '' removed and the REMARKS removed ... please.   XXXX  Part of the letter from  XXXX  states " The credit bureaus have been updated to relect no reporting after this date. '' Again, nothing is supposed to be reported after  XXXX   XXXX ,   XXXX   ...   XXXX   has a " Reported Date '' of  XXXX  and a " Last Activity Date '' of  XXXX . I need those changed to  XXXX  as  XXXX  has stated in the letter.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: Phoenix Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't know exactly why I am being charged for a medical bill that I didn't even commit. I haven't been to the hospital in years and also If I were to go to the hospital I would of told them my insurance, so it'll be charged to them instead of me. this is not me what so ever and I demand that this debt gets took off asap. I sent a letter on XX/XX/22 regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/19 I had applied for a loan online, at XXXX XXXX, I received a text message from Ace Cash Express with a Loan Approval Code : XXXX and to call them to complete the loan process. I called them and they offered a loan of {$3000.00} with payments of {$94.00} a month for 36 months. They verified my personal information as well as my banking information. They also said they would email the loan documents so I could electronically sign them. On XX/XX/19 at XXXX, I received a text from them again saying I had to provide my online banking login information, my username and password to verify they were depositing the funds in the right account. I replied that information is private and I don't give out that information. They then said they were part of the XXXX, and they 4.5 star rating, and if I didn't provide the username and password I couldn't get the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: AR
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:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: First Technology Federal Credit Union
State: UT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXXXXXX See above. This company was not allowed to do business in the state of Utah for what I requested. They cancelled meetings and had no way of cancelling service on their app or website and will not cancel via their phone number. They tell you to email the cancel and then don't respond. I was charged {$320.00} x 3 and {$130.00}. My bank reversed it and told me to keep trying with this company that's being investigated by the DOJ for exactly what they couldn't provide me. They cancelled appointments and charged me over {$1100.00} and now overdrafts and my bank says they can't do anything despite the fact they canceled and I cancelled and they legally can't operate in my state. I cancelled my card bc of them. But then over 60 days later all their fraudulent charges were reversed. Further when contacting the merchant a week ago they said only my bank can help me causing a whole new mess which obviously is to make this an impossible claim.

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 2017-10-27
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX University paid the FTC 100 million dollar lawsuit. But they are still trying to collect the money from me, buy sending me Notices and outsourcing to a third party debt collector. All private loans must be dropped, But XXXX XXXX XXXX is still trying to collect the money. But meanwhile they gave me a default clearance letter because they know they are in the wrong. If I owed debt, I would not be able to get a default clearance letter. 

Also, I received a check from the lawsuit for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
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:
ON XX/XX/XXXX, I SENT IN MY LETTERS REGARDING INACCURATE AND FALSE ITEMS ON MY CREDIT REPORT. THE ITEMS THAT WERE TAGGED ARE FRAUDULENT AND I DON'T KNOW WHERE THEY CAME FROM. HOPEFULLY I WON'T BE IGNORED OF MY DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: MO
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 been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the negative accounts and inaccurate name that needs to be removed in my file : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX  / XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} ; 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 2019-07-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF ID THEFT. I HAVE PROVIDED THE NECESSARY DOCUMENTS TO BLOCK THE INFORMATION FROM BEING REPORTED HOWEVER, THE CRA 'S REFUSE TO BLOCK SAID ITEMS LISTED.

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 2020-10-07
Company: Experian Information Solutions 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:
TO WHOM IT MAY CONCERN, I AM APPALED AT THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE. I NEVER SIGNED UP FOR XXXX. I AM A VICTIM OF IDENTITY THEFT. I AM ALSO APPALED AT THESE EXCESSIVE INQUIRIES ON MY CREDIT PROFILE. THESE ARE A VIOLATION OF MY RIGHTS. THESE FRAUDULENT ITEMS ARE ALSO A HINDERANCE FROM ME DOING IMPORTANT THINGS I NEED TO DO. THESE INQUIRIES AND FRAUDULENT ACCOUNTS APPEAR TO BE AN EFFORT TO HOLD MY CREDIT SCORE DOWN, SO THAT I AM CHARGED HIGHER INYTEREST RATES FOR ANYTHING I HAVE TO CREDIT QUALIFY 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 2017-06-27
Company: RoundPoint Mortgage Servicing LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with RoundPoint Mortgage Company. I submitted a request to have my PMI removed and my request was denied. I tried talking to someone in customer service and they were completely clueless and unable to help at all. All of this information is based on their own documents which can be found here : XXXX XXXX XXXX XXXX  When can I request PMI be cancelled? '' " ( 2 ) the date the principal balance actually reaches 80 % of the original value of the property '' " How do I find the original value of my property or LTV? '' " If the loan is a refinance, then the original value is the appraised value used to refinance the loan. To calculate the LTV, divide the unpaid principal balance of the loan by the propertys original value. '' Refinance Date : XXXX XXXX Appraised Value Used To Refinance The Loan : {$380000.00} Unpaid Principal Balance of the Loan : {$300000.00} Unpaid Principal Balance of the Loan / Appraised Value Used to Refinance The Loan = XXXX / XXXX = 79.93 % I do not understand why they are denying my request to have PMI removed. Thank You!

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 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by XXXX XXXX XXXX (XXXX XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
High Balance: $XXXX 
Credit Limit: $XXXX
Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called XXXX XXXX XXXX because i have no knowledge of this account nor the negative report on my credit. I called the XXXX XXXX XXXX credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas XXXX XXXX XXXX credit card department) I need this problem and error fixed and my credit report corrected.

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 2017-10-18
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order XXXX to make recompense and pay redress and compensation for their trespass against me. XXXX has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation XXXX not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.
15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 
18. Invasion of Individual and Family Privacy

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 2022-08-10
Company: Experian Information Solutions Inc.
State: MO
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 Credit Bureaus have grew negligent and ignorant of their responsibility to comply with the FCRA section 605b which requires that the Credit Bureaus to remove any fraudulent accounts and information that resulted due to identity theft. I have sent a letter addressed to the XXXX and XXXX Credit Bureaus requesting to remove the disputed fraudulent information completely from my Credit Report on XX/XX/XXXX and I have been sending multiple letters before that date. Again, I was a victim of identity theft and this is another request to remove the information in my credit file resulting from the identity theft. I have read that under the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting agencies are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. By the provisions of the FCRA section 605b, I am submitting this complaint to request that the Credit Bureaus remove the disputed fraudulent items completely from my Credit Report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-15
Company: EQUIFAX, INC.
State: NY
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:
XX/XX/2021 I mailed letters disputing inaccurate or unknown things on my credit report.I feel like I am being taken advantage of and ignored on my disputes. Section 611 a of the fair credit reporting states that a failure to remove items within thirty days of an actual dispute without verifying the information or notifying the dispute holder is against its by laws. original documents have not been shown as request to verify negative accounts one my report such as the original contracts I allegedly signed. Stating these facts these inaccurate items on my credit report should be deleted immediately off my report, or I will file litigation based off the sever stress and damage this has cause me. I would liked for it also to be noted that my report has been compromised from the data breach caused by Equifax, and my personal information may have gotten in the hands of the wrong persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The Menard 's XXXX Card has a 2 % quarterly rebate associated with it. It is not issued as a statement credit. After calling Capital One three times I believe they send a paper rebate. I was lead to believe on a prior call that my rebate for XXXX XXXX would have been sent on/around XX/XX/XXXX. It hasn't come. The last time I called they said the rebate might have been sent but they weren't sure and that I should call back in a week. Today is XX/XX/XXXX and I have been on the phone with Capital One for 18 minutes with no clear resolution. 

The Capital One staff supporting Menard 's XXXX Card seems woefully under-trained and unprepared to assist with even the most basic of questions relating to this credit product. No one seems to know what's going on and it is ridiculous. After spending 28 minutes on the phone with most of that time being on call center rep induced mute and hold I had to hang up to go to a meeting. 

My questions remain unanswered : Where is my XXXX rebate? What is an appropriate timeline for expecting rebates to be sent?

Company response to consumer: Closed with explanation