BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: SC
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, I HAVE BEEN DOING BUSINESS WITH XXXX XXXX/XXXX   XXXX  FOR ALMOST 3 YEARS. I HAVE CONTACTED THE CREDIT BUREAU 'S AN ALL 3 I HAVE CONTACTED THE COMPANY. EACH BLAMES THE OTHER. XXXX  XXXX  IS SHOWING AS A MORTGAGE BUT SOMETHING IS WRONG WITHIN THE TRADE LINE OF EACH MORTGAGE ( 2 ) I THINKS ITS THE ACCOUNT TYPE OR CATEGORY WHERE IT'S NOT SHOWING ME AS A HOMEOWNER, A HOMEOWNER HAS A HIGHER SCORE. THIS REAL ESTATE LOAN DOES NOT SHOWING US AS A HOMEOWNER, HAS KEPT OUR CREDIT SCORE DOWN, AN COST ME HIGHER RATES AN HIGHER INTEREST. THEN I COULD HAVE REFINANCED AFTER THEY CALLED THE OTHER DAY SINCE VIRUS HAS TAKEN PLACE OFFERING TO REFI AT A LOWER RATE AN DROPPED PMI, IF YOU LOOK AT MY CREDIT, I PAY MY BILLS, WHEN TRYING TO GO THRU MY XXXX   XXXX  ACCT TO LOOK AN SEE IF ITS SHOWING, IT SHOWS RE 0 AUTO 2 CREDIT CARDS 2, I'M SURE THAT IS WHY I WAS TURNED ALSO THEY SHOW AS 4 HARD INQUIRY DOING WHAT  TAKES AWAY MORE SCORE POINTS. THEY TOLD ME THEY USED XXXX XXXX ONLY, NO THAT'S NOT TRUE THEY GET A TRIPLE REPORTING COMPANY TO USED INSTEAD OF JUST XXXX XXXX, I HAVE PAID MEMBERSHIPS TO EACH OF THESE CREDITING REPORTING COMPANIES AN STILL GOT NO RESULTS, XXXX  XXXX/ XXXX   XXXX.WE ARE. STILL COMING UP IN THE XXXX I CAN EMAIL YOU ANY OF THE WORK I HAVE BEEN WORKING. TRYING TO CONSOLIDATED AN ALSO BE ABLE TO GET SOME OF THE DECREASED RATES THE U.S PRESIDENT IS OFFERING. I JUST CANT THINK OF ALL THEY HAVE COST ME AN I WOULD LIKE FOR YOU TO INVESTIGATE ALL PARTIES INVOLVED, THE XXXX XXXX XXXX WAS THE HARD INQUIRIES. PLEASE HELP ME SAVE OUR CREDIT/ SHOWING AS A HOMEOWNER. THANK YOU, I WILL BE PATIENT WAITING ON YOUR ANSWERS.THIS IS ON ONE OR THE OTHERS PART..

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
accordance with the fair credit reporting act XXXX  Account 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. With all do respect i've reported this account twice now please take action you have no idea how bad having this certain account on my 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 2016-06-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
We have learned that XXXX acquired the banks but it was not a " Merger '' so therefore this was not a XXXX XXXX XXXX. When XXXX collapsed, XXXX XXXX became the servicer. When we made queries about the new owner, XXXX XXXX claimed that they purchased the loan however they did not provide verification. They sued us and said they sold the mortgage to Pennymac XXXX, who we found out was another debt collector. We wrote to them to verify some information and the collusion and fraudulent documents continued. Pennymac then flipped it to another subsidiary of their company. When we called the FDIC and the OCC, they both referred us to CFPB because this is all debt collection. Additionally, we learned that XXXX XXXX Bank XXXX ceased to exist XXXX XXXX, 2005 however our mortgage was made in XXXX 2005. Our daughter worked for XXXX and XXXX and she continued to make these mortgages and no one ever told her that the company was no longer in existence. Please see our attached report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX XXXX days late in XX/XX/2021.

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 2022-09-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I followed the account on XXXX called " nollieflipskatecompany ''. They have over XXXX followers so I believed that they were legit. I entered a drawing to win the chance to purchase a pair of shoes through them. This is a common practice now on social media. I received a direct message from them stating that I won the chance to purchase a pair of shoes. I ended up purchasing XXXX pairs of shoes over XXXX for XXXX each, XXXX total. They stated they would send me an email confirmation and I never received XXXX. I reached out via XXXX and then they blocked me. So I called the number that I sent the XXXX payment to and he quickly said he would send me the email confirmation and hung up. I still never received XXXX. So I called him back today and he hung up on me and blocked me. Therefore I believe I have been scammed and will never receive the shoes that I believed I was purchasing. The man 's name is " XXXX '' and his number is XXXX. " nollieflipskatecompany '' also has a phone number listed as XXXX on XXXX and an address listed as XXXX XXXX XXXX, XXXX XXXX. I have attached screen shots of the messaging that occurred on XXXX. XXXX won't refund my money since I sent it via XXXX XXXX I filed a police report XXXX and they confirmed it was a scam. I attempted to contact the recipient and they blocked my messages and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraud/Identity account opened in my name between XX/XX/XXXX and XX/XX/XXXX. 
Company = XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX, TX XXXX, ( Account # XXXX ) from a fraud purchase at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX in the approximate initial amount of {$13000.00}. 

In contacting XXXX XXXX XXXX on XX/XX/XXXX initially after receiving a past due notice, ( XXXX ), I disputed the account and informed them that I never authorized or approved a purchase from XXXX XXXX XXXX. I then called XXXX XXXX XXXX ( spoke with XXXX XXXX ) and informed them of the fraud purchase/lease. He would not provide me with additional information On XX/XX/XXXX, I called XXXX XXXX XXXX again to see if they had resolved the dispute complaint. I spoke with a XXXX and then transferred off to a XXXX. Neither would provide with additional information nor send me a copy of the initial agreement, contract, and delivery receipt. They indicated that I had to first complete a affidavit. The notarized affidavit of fraud was completed today along with initiated a police fraud report.FILE # XXXX. 

On or around XX/XX/XXXX, I also completed a disputed/fraud account with TransUnion Credit Bureau. XXXX. XXXX XXXX, XXXX, PA XXXX File # XXXX. Their investigation confirmed account ; but, they would not confirm how they came up with this decision??

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 2022-09-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a past due credit balance. This account was settled in back in XX/XX/2022. XXXX failed to notate on my account that account would be brought to current. Due to the mistake a fraud made on behalf of agent, account has been incurring late fees and interest. I been receiving an obsessive amount of calls from agents trying to collect payMent. I was informed by supervisor that in order to fix this issue I would have to write in a dispute to come its bank so that they may pull records call and verify that account would be brought to current with payment made. Im still receiving these calls despite receiving a letter from Comenity bank stating issue is being investigated. I answer calls daily and explain pleasantly to agents that account is being investigated as its supposed to show current and XXXX balance. Today I received a call from agent who was harrasing me and refusing to identify herself. Agent consistently refused to identify herself or where she was call from or purpose of call ; and kept asking to speak to XXXX XXXX. It became very scary and very harassing very quickly. I informed agent I would be calling back and speaking to supervisor if she did not identify where she was calling from. Agent refused and continued tactics. Because of this whole situation I am suffering mentally due to dealing with the stress and harrassment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02
Company: EQUIFAX, 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:
I have asked Equifax to fix and correct the errors on my report. I have contacted the compaines that are reporting the Inquiries and they have told me to contact Equifax. Equifax has been so rude and not understanding. They told me to get a police report, I told them no. I'm asking again before I get the attorney involved, please removed all Inquiries from the following companies- XXXX XXXX XXXX XXXX  ( This is on my credit XXXX times ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions 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 status incorrect

Complaint:
all  XXXX  bureaus fail to remove  XXXX   XXXX  from  XXXX  years ago!   no replies no response numerous request to investigate with no action taken

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 2022-09-02
Company: EQUIFAX, INC.
State: IL
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:
I am a natural person, I am a living human being, I have rights under XXXX5 USC 1681.

Equifax is govern by 15 USC 1681. Ad they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My bank accounts were levied $ XXXX by XXXX XXXX XXXX XXXX. 

I contacted the company and told them I was never sued and have no idea of the debt. They said they served me at an address I have not lived in for over 10 years and I was described as a XXXX XXXX  XXXX woman in my XXXX. I am XXXX XXXX  XXXX. I told them they served someone else and they didnt care. 

They are suing me for an alleged credit card debt from XXXX, and they said the judgment was since XXXX. 

I have never received anything from this company, I have no collection record on my credit report, nor do I have any idea the debt they are collecting on. 

They have supplied me with no information on this, they said they would send me media in the mail, but my bank accounts have now been emptied.

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 2017-10-27
Company: HUNTINGTON NATIONAL BANK, THE
State: MA
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 am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following unauthorized and unaware XXXX to be removed from my credit report please : XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Aargon Agency, 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: Account status incorrect

Complaint:
Nothing they wont remove medical bills I keeping Didputing on 1 report they have been moved but not on other teports

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 2022-09-02
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I closed on a home w/ Regions Bank as my Lender. On XXXX XXXX, I was called in for a meeting with the Builder, Regions Bank & the Title Company that handled the closing. 

During the meeting Regions Bank admitted a financial worksheet had errors on it, but they did nothing wrong as a Bank. They also said they unilaterally decided for me to pay some of my costs ( close to XXXX ) to the Builder directly, post closing. This was the first time I EVER heard of something like this! No one in the meeting besides Regions Bank, had of heard of anything like this either. This is a huge issue for me financially for more reasons than one. 

I'm afraid I'm going to be stuck to continue to pay for my rental AND the new mortgage because the Builder is saying he doesn't have the funds to complete the home. 

I'm begging for someone to investigate this with Regions immediately, because this is a Financial and Emotional burden on me and my Family. 

Thank you in advanced, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Back in 2017 my wallet was stolen, Ive had MULTIPLE accounts opened in my name over the past 5 years. Ive been tying to resolve this for a while now. Everytime I dispute these accounts, they keep coming back as verified because all of my correct information was used from my wallet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We experienced a loss due to hail, and a claim was submitted to our insurance company. After getting the check, we had to submit it to our Mortgage company, PennyMac, to sign the check. They would not just sign the check, even after signing an notarized affiliated stated we will get the roof repaired with the funds. 

We have been forced into a processes where they deposited the money in a special escrow account, and then made us go through a lengthy process of getting part of the money to start the job. This caused unnecessary delays in us getting our roof repaired. They had even promised to over night the check, after a ~5 day period. It took them almost 2 weeks to get the check out, and it was sent XXXX. 

After getting the job confirmed I called back to get an inspector out so they could inspect the job and give us the rest of our money. They failed to contact the company doing the inspection in the time they said they would ( XXXX hours ). Luckily I had pressed them to give me that companies name and number when I contacted them about getting the inspection. 

We are still trying to get the inspector out here so they can pay us the money to pay the contractor. PennyMac had demonstrated incompetency, lack of commitment, and have processes in place that force all the responsibilities on the consumer, instead of themselves since it is their requirements. I have spent hours on the phone trying to manage them, trying to work with my roofing contractor as he deserves to get paid for the work.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-24
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was called by various debt collectors, never the same company name. The debt was paid  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  transferred the amount out of my account. I burned all day with the State Tax collector, the local court, and got copies of the debt paid in full. Now I have to send via mail the copies  to Alliance One, the de bt collector. I never received a letter, they did n't bother sending to my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: APEX Asset Management, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The Apex asset management is trying to get money for rent for service XXXX/XXXX/XXXX XXXX XXXX $ XXXX in XXXX appartments, XXXX, PA. I do not live there since XXXX! I had lease for for period from XXXX for 1 year wich i signed. When i was leaving i told manager that i am leaving, i was roomate and the deptor was another girl, my classmate, she stayied there. I got letter from them ( Apex manegement ) that she left XXXX/XXXX/XXXX and i have to pay for 1 mons, because she left and did not pay for last mons. I have no idea, i did not see her already 3 years, i am living in XXXX 3 years since XXXX. Apex maneger told me anyway i have to pay, since i was in lease, but i signed for period 1 year ( XXXX ), i did not sign for 3 years. It is fraud, they crushed up my credit score and they opened dept collection now, wich i have to pay, but why? i do not live there since XX/XX/XXXXI have plenty of evidence that i live in XXXX since XXXX XXXX i have my job here, i have family, i have another lease agreement with another landlord since XXXX, i am making regular payments, i am person who will never drop something wich i have to do. Tank you for you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
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 information incorrect

Complaint:
On XX/XX/XXXX. I received an email from Experian Alerts ( XXXX  ). The email informed me that my credit rating had dropped by XXXX points. What they didn't notify me, was the reason for such a significant drop. There was a link to my Experian account which I opened. A report informed me that my credit score had dropped by XXXX points to XXXX. It further alerted me that lenders would now consider me a higher credit risk. 

I contacted my bank to review my revolving accounts and they admitted that they do report financial information to Experian, but after a thorough review could find nothing to support any reduction in credit rating. A point of fact is that all my accounts are listed as exceptional and top rated. 

The two other credit rating bureaus, XXXX and XXXX, have not dropped my credit rating, and have in fact increased it during the same time of the Experian action. 
Everything I am submitting can be easily verified, and I have all supporting documentation to strengthen my position. Citizens who follow all the credit rules should not be treated this way. I need your help to correct this.

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 2022-09-02
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Complaint against Cash App XX/XX/17 - XXXX XXXX Purchase {$100.00} ( fraud ) This company charged for {$100.00} and when it went through they then tried for {$1000.00} and then {$200.00}. The charge for {$1000.00} or {$200.00} were declined based on my account balance. My card was not present and I have never worked with this company XXXX XXXX Purchase nor ever heard of them. Ive filed multiple claims with Cash App and they continue to feel me that based on their investigation the transaction is valid. Cash App has not treated me like a valuable customer ( all over {$100.00} which is ridiculous ). I feel extremely undervalued and disappointed because I used them so often. I have since completely closed my account and will never work with them again but I would like to make a formal complaint and if I can get a refund for this fraudulent charge.

Company response to consumer: Closed with explanation