BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Dear CFPB, this complaint is in response to Experian 's investigation and verification of an public record that appears only on XXXX XXXX Experian credit file that is being erroneously reported as verified by the furnisher, when the original creditor have removed their tradeline and the debt collector have removed their tradeline but still report this public judgment falsely as due and owing by I, XXXX XXXX XXXX without due process. Reference Case ( s ) # XXXX. XXXX XXXX has yet to respond. 
Debt collector : XXXX XXXXoriginal creditor : XXXX XXXX, XXXXPartial acct # XXXX ... 
( This account is being reported by XXXX as a charge off and debt was sold to another lender. XXXX XXXX is reporting this as a open account, {$850.00} is due and owing, but as a public record jugdement, {$980.00} is owed. Spoke with several persons on XXXX/XXXX/15, from XXXX who referred me to speak to someone at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX. I have sent the debt dispute letter to XXXX XXXX certified mail with green receipt. A individual named XXXX XXXX signed for it as an agent for XXXX on XXXX/XXXX/15, but as told by someone named XXXX at XXXX who is handling account for XXXX, contact XXXX speak to a man named XXXX XXXX @ XXXX XXXX XXXX ext XXXX. So this is a total diversion to not meet my demand and continue collection on a unsecured credit card debt that is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly delete all information which can not be verified '' that I disputed.. 
Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 2017-03-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian has failed to comply with federal and state of California consumer laws. 
Experian has violated sections 611 and 609 of Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On the evening of XX/XX/21 I received an email from Citi that they had closed my credit card account. I've had this account with them for over 20 years and have never had a late payment. I called first thing the next morning and was told that they closed the account due to lack of activity. I explained that with the recent pandemic I didn't have the need to charge anything to the card since we weren't going out. I also asked them why they hadn't sent me a notice prior letting me know ( they seem to have no problems sending out marketing material constantly to me via email ), OR why they didn't let me know that this was a possibility when I contacted them several weeks ago in order to change my mailing address - they had no response. I asked that they re-open/reinstate my account during the call. The Citi rep then started a new application on my behalf and explained that it would be reviewed for approval. I explained that I did not want to apply for a new card, but to have my account re-opened/reinstated. She said going through this new application process was the only way. I spoke with a manager and was told the same thing.

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 2016-03-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I settled a debt with XXXX XXXX XXXX XXXX XXXX and filed a complaint with CFPB because they had not updated all three credit bureaus. At the time Experian showed the debt as settled and the other XXXX bureaus did not. After XXXX XXXX XXXX informed Experian, they updated the status of this debt to " legally paid in full for less than the full amount '' as requested, but now they note on my credit report every month a simple NEGATIVE for this debt that was settled in XXXX 2014. 

No specific reason is given for the recurring NEGATIVE on this debt. I wonder if this practice is in accordance with the FCRA, and if this continual NEGATIVE mark is retaliatory and is harming my credit rating unfairly. 

I would like this account to show that it was settled nearly two years ago, and request that these continued NEGATIVE marks be removed from my Experian credit report.

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 2021-05-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification on XX/XX/2020. My modification was denied because my income wasn't sufficient. I'm widowed and I'm XXXX years old. 
After that covid-19 hit and I was unable to look for work because of the lockdown we were imposed by XXXX in XX/XX/2020. I applied for forbearance and was granted 3 months. Ever since then I've reapplied for an extention multiple times but I never get a response. I reapplied this month but again I never received a response. I've been borrowing money to make my mortgage at times and I now owe friends and family a lot of money and my resources are running out. 
I owe about {$98000.00} on my loan and my home is worth over {$200000.00} but they say I need more income to modify. I was paying {$710.00} monthly. I have limited resources and I'm unaware of any programs other than getting my loan modified. I've lived here almost 40 years and this was my first home I ever purchased with my deceased husband. I don't want to lose the only home I've owned my entire adult life. I really need help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, 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:
As of XX/XX/2021. XXXX XXXX requested that several inquires be removed from my credit file. The big 3 has failed to remove these unknown inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: EQUIFAX, INC.
State: NJ
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:
I disputed a missing historicial payment history on my XXXX credit card account, on my Equifax credit report in early XXXX of XXXX.It was verafied as accurate and they never fixed the problem.The payment history is marked monthly as " no data avaiable '' .This is incacurate and needs to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
contacted the Credit Card Company XXXX due to late fees I am in collections for XXXX. I contacted them back in XX/XX/2015 stating that i was on XXXX and wanted to know how to pay on the credit card accounts without it being declared late or charged off. Never received a response in regards to the situation. then started receiving calls stating that they would take me to court.

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 2015-04-29
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a medical bill that was supposed to be paid by the VA from 4 years ago. I received two threatening phone calls within 1 minute from Profit Services Group ( XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ). I explained to the extremely rude woman that the VA was supposed to take care of that bill and that I would contact them again to find out why it was n't paid. She told me that it was too late and that I better have it paid by Friday or I was not going to like the end result and she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: PNC Bank N.A.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have a loan that originated with XXXX XXXX. The servicing company is Midland Services, a PNC company. The total loan amount was $ XXXX for various properties I own. At the last minute, the lender advised me that they would be withholding funds from the loans for certain repairs. I took the loan, but approximately {$38000.00} was withheld. {$16000.00} pertained to XXXX particular loan on a property at XXXX XXXX XXXX, XXXX, Texas. I successfully completed all the work on the list, particularly the replacement of the roof, installation of XXXX circuits, and repair to the flatwork. For about XXXX months now, I have been contacting Midland to get the {$16000.00} returned to me, but I am having no luck. Please contact them and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Stearns Ventures, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I refinance my house 2 months ago and I did n't receive my escrows back from Sterns Lending 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 explanation
Consumer complaint received 2016-02-24
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife and I were denied access to information ( appraisal ) on a new home purchase, have not been able to obtain a copy of our appraisal for over 4.5 months. In addition we received critical disclosures late and were notified after closing our home with in a flood hazard.

Company response to consumer: Closed
Consumer complaint received 2021-05-17
Company: Experian Information Solutions Inc.
State: TX
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:
Account XXXX XXXX XXXXXXXX According to 15 ucs 1681b. ( 2 ) you do not have my written instruction to share this account, if so please show me any sign contract that I gave you instruction to share this account.

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 2021-05-18
Company: BARCLAYS BANK DELAWARE
State: TX
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 WAS VICTIM OF IDENTITY THEFT AS A RESULT SEVERAL ACCOUNT APPAER IN CREDIT REPORT AND TAXES WERE FILE UNDER MY NAME BARCLAYS BANK DELAWARE # 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 explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: CO
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 Account 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 response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was in the process of selling my house and notified PNC for the payoff and what day we will be closing, XXXX XXXX. PNC provided the information we requested, however they made the decision to pay the property taxes early and in doing so the property taxes were paid twice. I called PNC and on XXXX XXXX and they said they would look in to the issue and get back to me, they never did. I had to call several times and never got a definite answer. They said they called the XXXX XXXX tax office and never got a returned call. I called the same tax office and was told they have no notes or calls from PNC on this issue. THe tax office told me that PNC uses a XXXX party like XXXX to pay a lump sum. {>= $1,000,000} as an example, in XXXX check and they provide the amounts and property addresses to apply the funds. The amount PNC owes me is almost {$5000.00} dollars.

Company response to consumer: Closed
Consumer complaint received 2016-03-15
Company: PNC Bank N.A.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called PNC customer service XX/XX/XXXX to inquire about removing the PMI from my loan since my Loan to Value had reached XXXX %. My loan amount is {$190000.00} making my LTV XXXX %. It was scheduled to be removed automatically on XXXX/XXXX/XXXX but I figured I would try to get it removed earlier. After discussing this with the representative and learning a new appraisal would be required, I told her not to send me the information. She said it was too late as she had already pressed the button. She said it would n't change anything and only provide me the steps to take to remove the PMI. On XXXX XXXX I received that letter from PNC about the PMI. The letter stated that my LTV was no longer XXXX %, in fact, it was now XXXX %. They also stated I could get an appraisal using a condo appraisal form for {$500.00}. First, my home is not a condo, it is a single family residence inside a PUD. I am in the mortgage business and I know that appraisals do not cost {$500.00}. I proceeded to go online to my account and noticed that someone within PNC had changed the automatic removal date of the PMI to a whopping XXXX/XXXX/XXXX. They are saying I need PMI for another 21 more years! I tried calling PNC customer service and after being put on hold for almost an hour, I decided to hang up and call back during the day. I am so upset with PNC after making timely payments to them for the past 6 years. They modified my mortgage back in XXXX due to a hardship during the financial crisis. From XX/XX/XXXX to last month, the PMI drop off date was scheduled to be XXXX/XXXX/XXXX. See attachment # XXXX. I ca n't afford to keep paying PMI for another 21 years and it is illegal for them to do so because the loan to value based upon the principal balance of the first lien is {$190000.00} and the value of my home when I purchased the property in XX/XX/XXXX was {$240000.00}. I want this fixed immediately and PNC customer service has not met my expectations therefore I am filing a complaint with the CFPB in homes PNC understands how serious this error is. I have attached the new statement showing scheduled XXXX % LTV date of XXXX/XXXX/XXXX and a prior statement showing XXXX % LTV date of XXXX/XXXX/XXXX which has been this way since XXXX/XXXX/XXXX.

Company response to consumer: Closed
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit reports and noticed that XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are fraudulent inquiries, I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I sent a letter to Diversified Adjustment Service asking them for validation ( not verification ) of a debt they had placed on my credit as a collection. I've never entered into a contract with this company. I requested an original agreement with my signature on it, an agreement between this company and the alleged original creditor, and I also asked for proof that they had a right to collect on any date in my state ( Florida ), as there's no proof that they are a licensed debt collector in Florida. On XX/XX/XXXX, the company responded with an itemized statement. This clearly isn't a validation of debt. 

On XX/XX/XXXX, I sent another letter asking for validation again. If not, I requested that the company deleted this from my profile. I asked for a reply or a deletion within 30 days. Today is XX/XX/XXXX, and this alleged debt is still on my credit profile causing serious damage. Also the company has not responded. I'm submitting this complaint because the company hasn't validated the debt, nor has it provided proof that it is even legally able to collect on debts in the State of Florida.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: The Law Offices of Jennifer McCoy, PC
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used XXXX quite frequently. My email linked to my XXXX is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Eastern Account Systems of Connecticut, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notification from Eastern Account System of Connecticut, INC dated XXXX/XXXX/16. The statement indicates a balance of {$77.00} due from the original vendor, XXXX XXXX XXXX. The notice reads : Your account has been placed with this office for collection. To avoid further collection activity, pay it in full. If you can not pay in full or have a problem, contact this office. 

On XXXX/XXXX/16 I contacted XXXX XXXX XXXX to inquire about a recent bill I received from them indicating a balance owed of {$21.00}. In my discussion with XXXX XXXX they verified my service was disconnected on XXXX/XXXX/16. I was being billed for unreturned equipment. This equipment was returned on XXXX/XXXX/16. The CSR from XXXX XXXX indicated that my account would be updated and a credit balance of {$55.00} would be returned to me. I then asked the CSR if this account had been submitted to Easter Account System of Connecticut and the CSR responded by saying no. 

I then attempted to call Eastern Account System of Connecticut on XXXX/XXXX/16 and the number listed ( XXXX ) only goes to voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt was written off by original creditor in XXXX. This debt passed Texas statute of limitations in XXXX. This debt is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name ar

Company response to consumer: Closed with explanation