BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
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:
I am responding to your email discussing my dispute. Your email system doesn't allow me to respond to your message. I'm having to submit another compliant in your system. Experian purposely does this so the consumer isn't able to respond, and steal their money. Not everyone is able to afford to sending correspondence back and fourth through the mail. Experian takes advantage of people doing this. 

In your letter your state. " We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. " I am disputing the following item appearing on my credit report along with specific reasons for the dispute thereby I am asking this to be removed as set by law. Please do not merely contact the company electronically without providing a copy of this correspondence and getting all relevant information. Please note that I need this account corrected in order to qualify for a home loan. 

If the company furnishing this account information informs you that it is reported accurately please provide me with all the documents that prove that the account was accurately reported and describe the procedure you used to verify that the account information was and is accurate including the name, address, and telephone number of the furnishers contacted. 

It is clear to me that you are required to " maintain strict procedures to ensure that whenever public record information which is likely to have an adverse effect on a consumer is reported it is complete and up to date. '' Please complete your investigation in 30 days as permitted by law and email the results to me, and if not resolved I will have no other option to hire a law firm enforcing consumer rights under 15 USC. 1681 et seq. On my behalf to seek all possible remedies and damages associated with trade and commerce, FCRA, and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. ( Section 1031 of the Dodd-Frank 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 2015-07-20
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Commonwealth financial has changed a collection account number so they can reinsert this to the credit bureaus. XXXX account number was XXXX now it is XXXX, this to me is in violation of the law. They can not prove I owe this debt, please look at complaint case number XXXX, there is no debt validation, and they know this that is why they changed the account number. I will be filing a complaint with the Illinois attorney generals office and seeking legal help to file a class action law suit. I will start a social media page to see if any other cousumers are being treated in this matter. To this day I have not received debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Atlantic Recovery Solutions LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Friday, XX/XX/XXXX. 
Atlantic Recovery Solutions The company contacted a family member and released the dollar amount of an owed debt as well as my payment history to my mother at her home without my knowledge. After contacting the company they explained this was not illegal and asked do you really want to do this over . $ $? They insisted no act was illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX  XXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXX  XXXX Balance Owed : {$95.00} ; XXXX  XXXX XXXX Balance Owed : {$21000.00}

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 2022-07-18
Company: CBC Companies, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On or about XX/XX/21 I submitted a request for Credit Reporting Agency to freeze/cease providing any Consumer Reports they are sharing with any Person or Company. This action was not complied with and actions are still being done without my written consent or other permission.

In accordance with the Credit Reporting Act my rights were violated.

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-06
Company: Ability Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Company never contacted me in reference to account. Had no knowledge that account ever existed until this morning XXXX/XXXX/16. Account has not been communicated what so ever

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My brother passed away and as executor and heir to his estate the lender Ditech refused to work with me. I was denied any and all assistance including forebearances, cash for keys, lowered payments etc. this is also my primary residence. Currently, I am awaiting confirmation of the sheriffs sale scheduled for XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a Mortgage broker and have been work with a family that owns a home on Hawaiian Home Lands. The own the lease, and have a great need to refinance. Their current rate is 6.74 %. 
XXXX and XXXX XXXX have never been 30 days late in paying their mortgage to XXXX XXXX XXXX since XXXX. However, the mortgage was sold to Penny Mac on XXXX XXXX XXXX. You can see the print out from Penny Mac showing a late fee of {$1100.00}. How can this be late when no notice was served?. Attached are copies of checks of payment for the months of XXXX, XXXX XXXX showing all payment to XXXX XXXX XXXX were paid on time. Once the mortgage was sold to Penny Mac everything went sideways. The first payment to Penny Mac show a last fee of {$1100.00} but was never reported late? Attached is a print out from their account with Penny Mac which shows all their payments. 

A late payment ( greater than 30 days ) was reported on XXXX XXXX. That month the payment increased from {$2900.00} to {$2900.00} without prior notice. In XXXX XXXX, they accidentally paid the old payment of {$2900.00}. However, they paid the difference by the end of the month. How can this be thirty days late? We need your help! My clients have called Penny Mac many times and have had no results. WE want to have the late payment removed from the XXXX credit report ASAP. Sincerely, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Arbor Residential Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seneca Mortgage Servicing has misappropriated {$3200.00} from the escrow account attached to my home mortgage. On XX/XX/2015 they took a scheduled withdrawal of that amount to pay the scheduled property tax installment, which was indeed recorded as paid a week later on the county website. 22 days later, on XX/XX/XXXX, XXXX took another withdrawal of the same amount, creating an escrow deficit of XXXX. They have told me on the phone that this withdrawal was not sent to the tax agency but remains in Seneca 's control. It is easy to see the second withdrawal from my account on the attached activity listing from my mortgage account with them. When I demanded that they return the unauthorized withdrawal to my account immediately the replied that it would take two months tho " investigate '' the matter. It does n't take a genius to look at the statement of activity and see the duplicated withdrawal. Two months of " investigation '' time amounts to theft of my property with no promise of returning it. Since I am closing a refinance today I am forced to pay XXXX extra to pay off the existing mortgage, to cover the funds that were improperly withdrawn by Seneca. 
They are : Seneca Mortgage Servicing LLC XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-07-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I took a loan with XXXX XXXX company last year.. I sent them all payments on time to my knowledge.. A couple of months later I received a bill from Penny Mac loans XXXX I called XXXX confused.. They said they took over my loan.. So I started paying them, I had to figure out new contact info and such.. 6 months later, Penny Mac said I was late on a payment because when they bought my loan from XXXX, I had a late payment to them.. They paid for that in order to buy my debt from them, and now I owed them.. Took me about three months to come up with a double mortgage payment.. So I feel like I sent XXXX a check and was unaware that it should have gone to Penny Mac.. This is ruining my credit. Penny Mac wo n't correct it..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company called Midwest Recovery System said I owed XXXX. 
When I checked my credit report I notice they put it in collections I dont owe this debt. I am so furious .I called this company with XXXX from the fraud dept This guy I talked to was very rude told I dont owe this. Then I said I never received anything about this. 
all of a sudden I got a document from them thru email. How about that showing up I want this off my credit report.I. gave him info all of a sudden I got a document.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XX/XX/XXXX, I received a statement from Target stating I owed {$1000.00}. I had not used the Target card since XX/XX/XXXX and our account was paid in full, I immediately called Target. I checked my wallet and my Target card was gone. It was apparently stolen sometime between XX/XX/XXXX when I received a new card and XX/XX/XXXX when it was used. I filled out their affidavit of unauthorized use and the charges were reversed. However, Target has taken the stand that since the PIN number was used, I am responsible for these charges. This was a NEW card. I had never used it before. I have no idea how the PIN number was used. I have always signed for my Target card, I never once used the new chip technology card. I have sent t them proof that I was n't in the city where the charges were made but apparently they have n't bothered to look at the proof. They are determined to find me at fault. I did not use my card on the dates they provided me, I am \\ am not responsible for these charges and I am not going to pay them.

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

Complaint:
Mortgage Servicer : PennyMacUSAXX/XX/2015 ( approximately ) : I called PennyMac to check if I had met the criteria for removal of PMI from my loan. 
XXXX/XXXX/2015 : I sent a note via servicer 's internal messaging service on their website inquiring about the status of the request. 
XXXX/XXXX/2015 : Service responded to message stating I should allow up to 7 business days from the original request. 
XXXX/XXXX/2015 ( approx. ) : I called PennyMac to check on the status. I was told to allow up to 10 business days. 
XXXX/XXXX/2015 : I sent another message via PennyMac 's messaging system requesting a resolution to my request. 
XXXX/XXXX/2015 : PennyMac sent message stating I should allow an additional 7 days to receive a response. 

It has now been over XXXX weeks for a request that according to their policy should have taken 7 business days.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was foreclosed on Penny Mac through XXXX attorney 's at XXXX. I have requested the documents from Penny Mac which was suppose to provide me notice of the foreclosure, which I never received. My job takes me from XXXX to XXXX however, I was laid off and requested assistance which Penny Mac refused to provide and kept referring me to the Attorneys Office. The law states I was to have a certified letter giving me notice no letter was received either by Penny Mac or the XXXX law offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got a letter from American Coradius International LLC saying that I owe an account balance of {$400.00} from a XXXX, XXXX account. I have never held a XXXX, XXXX account and I have never owed money to them. I do not have any idea whose debt this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Recently i got scammed for the total amount of {$500.00}, that was sometime in XXXX/XXXX. I filed a claim and got reimbursed for it via credit. Recently, like last week i noticed that the temporary credit was reversed not due to any foreshadow or any sort of email stating " Hey, you know that credit we issued a couple of months ago, we're going to go ahead take that back, thank you ''. Literally i woke up the next day and {$200.00} ( the initial credit ) was reversed. So i called Wells Fargo asking them to reverse this credit. Keep in mind something similar like this happened last week it was also another credit that got reversed for absolutely no reason at all and i was able to talk to the rep for Wells Fargo and she looked on why the credit was reversed and was able to determine that there was no reason at all for why the credit was reversed. So she looked into the Credit and was able to issue me back my funds within a couple of hours. God bless her. So again fast forward to that next week and again this happened once more. As stated earlier i called in but was unable to get a re-issue of funds like last time. Instead i was greeted with " we were able to determine it was a 3rd party app '' So when someone gets scammed and you guys issue me a credit and since so much time has passed I.E 2-3 months ago while i was going through everyday not even remembering the credit. Literally out of nowhere, with no hindsight i got XXXX deducted from my account via reversal of credit.

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 2017-07-12
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The servicer refuses to give information regarding the class action lawsuit against XXXX XXXX for XXXX colleges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
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 was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; The following address needs to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX ; the account ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1300.00}.

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 2022-03-23
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: Old information reappears or never goes away

Complaint:
I bought a vehicle in 2018 from XXXX XXXX. While driving the vehicle for less than a month we discovered that the vehicle was infested with roaches so we allowed them to pick it up. Im sure this company sold the vehicle to someone else. They have yet to provide paper work that shows what it would for and the balance owed after the sale. It continues to report falsely on my credit report and if like it to be removed. There is no way this is legal to sell someone a car infested with roaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I have recently discovered that there are fraudulent accounts that were opened under my name and personal information. I am not quite sure as to how this happened but the last incident that I can remember goes all the way back to XXXX of 2008 when my wallet was stolen from me when I was at the XXXX XXXX complex shopping. My debit and credit cards, Driver 's license and Social Security card were in that wallet. I had to obtain new cards after this incident and have not had any other theft incidents thereafter. Please help me clear this up. There are credit account and collection accounts that apparently showed up on my credit report that do not belong to me.

Company response to consumer: Closed with explanation