BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I lost my income in XXXX since then I don't have any resources to pay my debt, aside from my husband XXXX payment from His military service. I decided to enroll in the debt settlement program which I signed an agreement to the program so they can settle the debt on my behalf the confusion is, the debt collector company Midland Credit Management Inc. changed the account number from the original account number, so they can continue a negative report to the credit bureau and the account still open until now even though the debt settlement company already settled the account. I guess this debt collector used this wrong tactic to punish me for not paying my debt, which is not my fault of losing my income. please solve this matter. as of now I don't any have communication with this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX XXXXXXXX ), Account # XXXX XXXX XXXX ( XXXX ), Account # XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX, Account # XXXXXXXX XXXX XXXX has all 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

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 2022-09-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good Morning, Please be advised, before reaching out to make a compliant I have reached out to the bank many times. 
On XX/XX/2022, I noticed on my credit report that there was a issue with my mortgage company, when I called the mortagage company, Penny Mac at XXXXpm I spoke to a operator # 1 who informed me that the payment made on XX/XX/2022 which was process on XX/XX/2022 was sent to escrow and not towards the mortgage. I informed the operator # 1 that it was a mistake and that when I made previous payments I used the same method. She then informed me on how to make a proper payment, waive the late fee. 

I then canceled the upcoming payments to avoid the same problem, unfortunately, when I tried to save it for the month of XXXX. I mistakenly entered a payment scheduled for XX/XX/2022. I called Pennymac to informed them of what happened, the operator # 2 then informed me same day transaction could not be canceled, and I would have to call the next business day. The next morning on XX/XX/2022, i called Pennymac bank and spoke to operator # 3 who informed me that I should have called the same day the transaction was made, I informed that I did and they should check there records since all phone calls are recorded. I informed her that operator # 2 told me to call the following day to have it removed. However, operator # 3 said it could not be done, and it would need to be process before the funds are sent back. I then asked to speak to a supervisor or manager. She reported no one was available and they were all in a meeting. I was extremely upset since I had a negative balance for the weekend and needed to make other payments. However, I took the Operators word, and confirmed the funds will be sent back. 

On XX/XX/2022, I called my bank the money was taken out of and explained the situation. They agreed to overturn the overdraft fee. On Wednesday, XX/XX/2022 the funds were returned back, However, on XX/XX/2022 XXXX again took funds out, leaving my account negative. When i called, I was transfer to 4 different people who were unhelpful. 'Finally I spoke to operator # 8, she informed me she was not aware as to why the bank was taking the funds out and was not sure what to do. This is my mortgage company and now I do not feel safe with my funds, and I have to live check to check only to now be negative and be unable to make other payment to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Experian Information Solutions 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 17 closed accounts with XXXX XXXX that are erroneous in the information that is being reported to all 3 major credit bureaus. I have attempted to dispute directly with XXXX as well as the credit bureaus ; however, XXXX only updated the terms of my loan and not the late payments that are being reported. They are required to report correct information, and late payments that are being reported were covered by a retroactive forbearance from XX/XX/XXXX - XX/XX/XXXX. There is no way I can have a 120-day late payment in XXXX if XXXX and XXXX are currently reporting as OK/on-time. There is also no way I can have 90 day late in XXXX when all previous months out of a 4-year period ( dating back to XX/XX/XXXX ) are OK/on-time or no activity reported. According to the XXXX website, the forbearance definition is as follows : " Deferments and forbearances allow you to temporarily postpone your monthly payments under certain circumstances. '' The retroactive forbearance is put in place to postpone payments ; therefore, no payment activity should be reported for that period. The late payments for XXXX and XXXX, 90-day and 120-day respectively, are incorrect and are severely damaging my credit reporting with all 3 bureaus. This issue is preventing me from obtaining financing for auto and home purchases. Please resolve this issue as soon as possible.

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 2022-09-30
Company: EQUIFAX, INC.
State: VA
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 realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reported accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I contacted an individual about getting concert tickets off of an ad. This individual seemed to be real and was willing to do a transfer of tickets through XXXX. I sent him {$100.00} for the ticket, he then blocked my number and avoided all texts coming in. I reached out to my bank, PNC, because this transfer was through XXXX but with my bank. You reached out to my bank, twice, and was told a dispute is being out in for this fraud. I called my bank an hour after the transfer, there is no way this money should have been taken out of my account and sent within that time period, are there no fraud preventative measures in place? Currently Im waiting for my bank to respond to the dispute. This was fraud and scam and I would like my money back. They would be able to track where they sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive repeated calls, three times per day, including Sundays, at my office phone number. My office phone number was someone else 's before it was reassigned to me. If I pick up, a robot informs me that this is Southwest Credit Systems trying to collect a debt for someone named XXXX XXXX I am not XXXX XXXX, I have never heard of a XXXX XXXX. The robot informs me to press 1 if I am XXXX, or press 2 if I am not. I have pressed 2 twice. It says it will transfer me to a representative, but then hangs up. This has been going on for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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. I have never give any written instructions or consent to have my information published publicly.

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 2022-09-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX Date Updated : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have 17 closed accounts with XXXX XXXX that are erroneous in the information that is being reported to all 3 major credit bureaus. I have attempted to dispute directly with XXXX as well as the credit bureaus ; however, XXXX only updated the terms of my loan and not the late payments that are being reported. They are required to report correct information, and late payments that are being reported were covered by a retroactive forbearance from XX/XX/XXXX - XX/XX/XXXX. There is no way I can have a 120-day late payment in XXXX if XXXX and XXXX are currently reporting as OK/on-time. There is also no way I can have 90 day late in XXXX when all previous months out of a 4-year period ( dating back to XX/XX/XXXX ) are OK/on-time or no activity reported. According to the XXXX website, the forbearance definition is as follows : " Deferments and forbearances allow you to temporarily postpone your monthly payments under certain circumstances. '' The retroactive forbearance is put in place to postpone payments ; therefore, no payment activity should be reported for that period. The late payments for XXXX and XXXX, 90-day and 120-day respectively, are incorrect and are severely damaging my credit reporting with all 3 bureaus. This issue is preventing me from obtaining financing for auto and home purchases. Please resolve this issue as soon as possible.

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 2017-08-13
Company: Sierra Holdings LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Between XX/XX/XXXX Thur XX/XX/XXXX made 9 different payments to bestbuy credit card in the amount of XXXX towards an 18 month no interest account. Each payment were made by check, noted on check 18 month account. In addition to these payments, the minimum payment were sent every month. Durning the year additional payments were sent to Best Buy credit card account. Any extra payment sent, nothing was applied to this account. XX/XX/XXXX statement shows XXXX interest charged to 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 monetary relief
Consumer complaint received 2022-09-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED A COOY OF MY CREDIT REPORT AND THERE IS INFORMATION REPORTING TO MY FILE THAT DOES NOT BELONG TO ME. I HAVE CONTACTED EACH CREDITOR REGARDING THIS MATTER AND THEY HAVE FAILED TO PROVIDE ME WITH ANT ORGINAL SIGNGED CONTRACT UNDER FCRA 609a, STATING THAT I AGREED TO OPEN A ACCOUNT AND PERSONALLY SIGNED MY SIGNATURE AGREEING TO PAY ANY DEBT. UNDER FCRA 605B FRAUDULENT INFORMATION REPORTING TO A CONSUMERS FILE MUST ME PERMANENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. I HAVE CONTACTED MY ATTORNEY AND SHOULDN THIS MATTER NOT BE TAKEN CARE OF IN A PROMPT MANNER, I PLAN TO FILE A LAWSUIT AGAINST EACH AGENCY REPORTING FALSE INFORMATION TO MY FILE WHICH HAS CAUSES FINANCIAL HARDSHIP AND STEEAS. PLEASE CONTACT ME BEFORE OPENING ANY ACCOUNTS XXXX THE FOLLOWING INFORMATION DOES NOT BELONG TO ME, PLEASE DELETE IT IMMEDIATELY. 

XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: NY
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:
The following accounts are incorrect and they are adversely affecting my livelihood. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have contacted each of the credit bureaus to investigate the following items that negatively affect me. Not only have each of the accounts violated my right to privacy promised under 15 USC 1681 Section 602 A but they have also been furnished without my written consent or instruction which violates Section 2 of the aforementioned law. 
The accounts are : XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX To date, the credit bureaus have not responded within the 5 business days as mandated by 15 U.S. Code 1681i Section 2 ( A ) : " Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ''

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 2022-08-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My identity was compromised and someone tried to use my personal information to request new credit and submit credit applications. It does look like the accounts were open, however, the fradulent inquiries are showing on my report. I tried to dispute it Equifax/XXXX  and they did not even investigate the issue. 

Here are the companies that I did not request credit and are fraudulent inquiries : Equifax : XXXX XXXX XXXX XXXX submitted on XX/XX/XXXX on Equifax XXXX XXXX XXXX XX/XX/XXXX on Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX on XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX, I submitted documents for an employment data report from The Work Number by Equifax. The reference number is XXXX. I received no reply, confirmation, or report. See attachment XXXX '. 

After getting no reply, I submitted a new request and set of documents on XXXX. The reference number is XXXX. I received no reply, confirmation, or report. See attachment XXXX '. 

I submitted a new request once again on XXXX after not getting any feedback and included the above reference numbers as a reply. I did get a response from that said there were no attachments found in my prior submissions. That is clearly wrong as evidenced by the referenced screenshots. I informed Equifax as much in a subsequent reply that, once again, included the requested documentation. The reference number is XXXX. See attachment XXXX '. 

After submitting the reply on XXXX, I also attempted to call Equifax in order to speak with someone that could confirm that the documents were received. I was unable to find any option in the phone tree for someone in that department specifically. I did speak to someone that I believe was general support for The Work Number by Equifax and they were supposedly able to get a message forwarded to a XXXX regarding this issue, but it appears that has not helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXXXX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
On or about XX/XX/2022 I sent letters to Experian describing multiple instances of fraudulent reporting on my credit report. I gave them 30 days to remove the accounts and they have not complied. The accounts are listed below. 
FRAUDULENT REPORTING XXXX XXXX FRAUDULENT REPORTING XXXX XXXX XXXX FRAUDULENT REPORTING XXXX FRAUDULENT REPORTING XXXX XXXX  FRAUDULENT REPORTING XXXX XXXX XXXX No attempt to communicate with me regarding these accounts has been made. No attempt to validate the accounts has been made.

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 2018-11-30
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have repeatedly notified Navient that the amount due and owing is incorrect. I have long suspected padded charges since the original loan changed hands twice. XXXX and XXXX specifically. I have NEVER attended one of schools reporting. I never took any funds nor signed any loan documents from this institution. Navient refuses to recalculate these amounts. This is fraudulent.

Company response to consumer: Closed with explanation