BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: Mr. Cooper Group 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:
Seterus which is now controlled by Mr. Cooper refuses to provide information requested. In addition, they will not return phone calls. To make things simple for the CFPB for which I believe is in cahoots with Mr. Cooper because of financial gain. Seterus filed a false entry in 2015 and Mr. Cooper refuses to provide detailed information or return phone calls, and names of people that they say in their letter that verified. Please read the attached document which includes complete detailed information that has taken me many hours to compile because CFPB is in partnership with Mr. Cooper. My only remedy left is to take legal action which I can't afford due to the fact I'm a XXXX XXXX XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: IN
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:
After carefully reviewing my Equifax credit report, I noticed several fraudulent credit inquiries on my report. The following inquiries that I didn't recognize, or authorize are as follows : XXXXXXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXXXXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express promised they would provide XXXX Delta skymiles if we applied for a new card and spent {$2000.00} over a 3 month period. We received the new card and spent the money. Now, Amex will not honor their side of the deal and credit the miles to our account. 

We have called Amexs customer service line and spoken to two managers both of whom refused to honor the arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: ZENCO COLLECTION, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a call at work from a XXXX XXXX with Zenco at XXXX EST on XXXX XXXX, XXXX. He claimed he was with the legal department and needed to speak to my HR manager in order to set up a wage garnishment. I then began asking questions about the supposed debt. He stated it was from a repossession from XXXX and the debt was over {$6000.00}. I told him that neither that amount of money, the repossession or his company was on my credit report. I also told him several times that he was not permitted to call me or talk to anyone at my place of business. He again said he was the legal department and told that I can not tell him how to do his job. He then said that if I wanted to take care of this now, I could give him the amount I knew I could pay, the give him a post dated promissory check that had to be collected before the end of the month. I asked him for something in writing and that I was entitled to have something regarding the debt mailed to me. He claimed they already mailed a settlement and that now I will have a judgement against me. Again, there is no judgement or anything from this company on my credit report. I told him again, that if he wanted me to speak with him, I needed something in writing. He said he would email me, but only if I told him how much I could pay. I said that I would not accept email and to mail me proof of the debt. He refused. I then asked for his name, XXXX XXXX ( as I told you 5 times already, clearly you do n't listen ) -he told me that. Then I asked for his company name, which I needed to ask for many times before he told me. I asked for the phone number and he rattled this off so quick that I was able to confirm it based on caller ID.I then asked for the case number and he refused to give me anything of that nature. I said to please mail me something and he proceeded to tell me I was being indignant and rude and hung up on me. He then called back, I answered the call and he was getting extremely aggressive with me telling me that I will be in big trouble if I do not cooperate with him. I repeatedly told him to mail me something and that he was not permitted to call my place of business to which he responded that he can call anyone or anywhere that I am located and he will speak to my HR manager and get my money taken away from me. I repeated the note to not call my place of business and to mail me something as I know I deserve that. He did not ask for my personal number and only once confirmed the address he had. He then stated, " put me through the your HR manager and you are going to be in big trouble young lady ''. I put him through knowing that his tactics were inappropriate. I am reporting him as he was harassing, threatening and using multiple scare tactics to get me to pay him.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$890.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$380.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$1800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXXXXXX XXXXXXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$240.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX  XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$950.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
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 is missing that should be on the report

Complaint:
I recently contacted Experian via dispute process if several items incorrectly reporting in my credit file the items and there incorrect information are noted below 1. A bankruptcy filing is listed the item was disputed and removed from the file in XX/XX/XXXX the bureau has added the item back to my file but did Not provide the 5 day notice to me as they are required by law to provide 2. XXXX XXXX account listed in report doesnt have correct term shows 1 month no last date of activity and No historical payment history 3. XXXX XXXX XXXX # XXXX shows no historical payment history no last date of activity 4.XXXX XXXX # XXXX shows no historical payment history, no term last updated XX/XX/XXXX 5. XXXX XXXX # XXXX last updated XX/XX/XXXX no historical payment history and no term All items above were previously deleted and added back to file without the required 5 day notice to me the consumet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, 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 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 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 sent letters to  XXXX  to remove inquiries that I did not approve I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done which violates my rights as a consumer. I reached out to them several times to advise that my credit is being pulled ithout my permission and they advised me they couldnt remove them along with the incorrect names and addresses.

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 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax refuses to grant me access to my credit report. I have repeatedly answered security questions, obtained security codes, etc, and they continue to have my account locked. 

This is a clear UDAAP violation that is detrimental to not only myself, but to the entire consumer credit community.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: LEXISNEXIS
State: IL
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 sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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 2021-04-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Attempted to refinance my existing conventional XXXX yr mortgage to reduce my monthly pymt. Was told the process would take approx XXXX days. It's now been XXXX  months despite having excellent credit, no late payments and prompt replies to their document requests. I was recently informed the loan was finally approved and they sent me a closing document. It had an incorrect payoff amount on my current mortgage ( off by several XXXX dollars ) and had increased my costs to close ( above the estimate provided months earlier ). In short, my monthly mortgage reduction -- according to their new figures -- was going to be less than {$57.00}. And the cost to acquire this XXXX reduction ( a figure far less than their 'sales ' promise ) was going to be in excess of $ XXXX. I don't know if they're XXXX XXXX XXXX but I've lost all confidence in this firm and will not do business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Early Warning Services, LLC
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
We were tried to purchase a dog from a company allegedly based out of FL named XXXX. After the purchase of {$800.00} plus {$200.00} shipping the dog was supposed to be loaded on a plane and sent to use the next day. The next day arrived and we got an urgent notification for a temperature controlled crate due to weather at a rental rate of {$1800.00} with 98 % return after the crate was returned after delivery is fulfilled. We found it odd so we reached out to the seller who stated that they have ran in to that problem before so we agreed to it. XXXX was being shipped using XXXX XXXX XXXX XXXX XXXX XXXX  ) who is still showing shipment ongoing. We received a call from someone who was interested in another dog listed which led to the belief it was a scam. We attempted to contact the seller who is no longer answering any form of contact. We also can not get in contact with the so called shipping company. XXXX domain has since been removed. The likely fake contact we got is listed below. We have also found the dog up for sale to be on a scam alert. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We found this XXXX. It is on mine and my mothers name. Neither one of us cashed it out. The original bank has changed hands several times. We would like to be able to cash it in but. I one we have talked to know how

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed an dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I contacted PHH mortgage to notify them that I had paid XXXX 's property tax, and request them to de-escrow my mortgage account. 
On XX/XX/XXXX, they decided to send in the payment to our country 's tax office ( according to their email communication, they shall not send the payment until about a week before the final due date ( XXXX XXXX, XXXX ) ). 
They also asked to submit a de-escrow request via mail. They claimed they initiated a request for a refund from the XXXX country 's property tax office. 
In the past three months, I have followed up with them several times. They always say they just sent in the refund request and asked me to wait for their follow-up, which never happened.

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: EQUIFAX, INC.
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 sent letters to equifax to remove inquiries that I did not approve I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done which violates my rights as a consumer. I reached out to them several times to advise that my credit is being pulled ithout my permission and they advised me they couldnt remove them along with the incorrect names and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
NOTICE OF COMMERCIAL LIEN INTENT!! PRTFOLIO RECOVERY ASSOCIATES LLC HAS USED FICTITIOUS NAMES 3 TIMES AND VIOLATES FEDERAL CODE, note memorandum ; NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 3 counts. CEASE AND DESIST AT ONCE, THIS IS COMMUNICATION FROM LEGAL COUNSEL FOR THE PLAINTIFF, NOTICE OF COMMERCIAL LIEN COMMENCEMENT,

Company response to consumer: Closed with explanation