BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: JPMORGAN CHASE & CO.
State: PA
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 asked for these unauthorized hard inquiries to be removed from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
My home is under contract for purchase. I have a VA assumable mortgage with Pennymac Mortgage Company. 
They are telling me that the buyer is not qualified to assume the loan. 
The buyer has been qualified by another lender for a higher amount at a higher interest rate. So Pennymac is not truthful about this.

The buyer is paying cash for the balance of the purchase price and only assuming the existing VA assumable mortgage.

It has been over 90 days since the assumption paperwork has been submitted and now Pennymac has requested the buyer to re-apply and provide more documents. 
They are not following standard lending procedures. 
I think they do not want to do any assumble loans. 
Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$260.00} {$260.00} {$300.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 90 Days Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Bread Financial Holdings, Inc.
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good morning, The details are described as such. My business has a supply store credit card through Comenity Capital Bank. I received a bill in XXXX in the amount {$370.00} and promptly paid this with check number # XXXX. They debited this amount from my bank on XX/XX/2022 as payment to this charge. They have continued to bill me monthly plus add a {$41.00} late fee on each statement, compounding these unwarranted late fees to total {$560.00}. I wrote a letter to the disputes department for this company including proof by my bank that the initial charge was in fact paid in full and in a timely manner. No one will get back to me. This company continues to affect my credit and credit score, which is unacceptable. This original charge was paid. Therefore there should be no outstanding charge nor any of these late fees. I am at a loss on what to do. My sincere thanks, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: VA
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 am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 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 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 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 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 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 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 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 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 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 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 2022-12-19
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I checked my mail on Friday XX/XX/16 and had a letter from Sequium Asset Solutions , LLC regarding a {$97.00} debt they were attempting to collect from XXXX. 

I closed my account with XXXX  earlier this year, returned the equipment, and paid the final balance. I should not owe any money. 

I have attempted contacting Sequium Asset Solutions , LLC more than five times since receiving the letter. The amount the XXXX phone says I owe differs from the amount on the letter and I can't get answers from anyone regarding what this charge is for and what the amount is. 

This is very unprofessional. This business should be fined for its unprofessionalism in respect to their treatment of consumers when attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
back in XXXX my card was stolen. Shortly after my card was stolen these fake checks were being deposited into my account but were being charged back, at the time I didnt notice because I wasnt getting any notifications or anything. The last time the check was deposited it was for {$11000.00} and it went through. Shortly after it went through the money was wired out in several different ways. I didnt notice any of this until a month later the check bounced back and put my account in the negatives. I believe my card was copied because when the transactions happened I was using the card in a whole other town. The bank didnt even investigate they just closed the case, if they look at the camera of the atm footage that they used the card at you could see its not me.

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 2023-04-14
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXXXXXX XXXX ACCT NUMBER XXXX, has violated my rights a. 15 U.s.c 1681 section 602 A. States I have the right to privacy b. 15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX I initially send an investigation letter to Transunion to investigate 2 bankruptcy cases # XXXX and # XXXX that's currently listed on my consumer report back on XX/XX/XXXX, in which all 3 consumer agencies, Transunion, XXXX, and XXXX responded back and listed those bankruptcies as verified. After those results, I investigated the third party agency that Transunion, XXXX, and XXXX stated that they used to verify those bankruptcies with, which was XXXX XXXX. Then I sent method of verification letters to XXXX XXXX to investigate both bankruptcies ( # XXXX ) and ( # XXXX ) and they were not able to verify that these bankruptcies, in which in turn XXXX XXXX removed these records from my consumer report with that reporting agency. This makes these cases unverifiable and should be removed from my Transunion, XXXX, and XXXX consumer reports. I sent Transunion, XXXX, and XXXX a copy of the XXXX XXXX investigation results, and they still responded that the bankruptcy cases # XXXX and # XXXX were properly verified, and it still remains on all 3 consumer reports unlawfully. According to FCRA, if these bankruptcies are unverified by the third party agency XXXX XXXX, so by consumer law protection, these bankruptcy cases should be removed immediately from all 3 consumer reporting agencies as well. If these consumer reporting agencies are to be investigated as of today XX/XX/XXXX, these bankruptcies ( # XXXX and # XXXX ) remain on my consumer report unproperly verified, which is in clear violation of FCRA.

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 2023-06-30
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: Public record information inaccurate

Complaint:
I have contacted Equifax on multiple occasions and notified them that the bankruptcy that they are reporting is not mine ( it has been deleted by XXXX already ) and they continue to report it which is an FCRA violation and is damaging my credit report. I demand that they remove it immediately before I sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: KY
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 IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Atlanticus Services Corporation
State: MO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : XXXX XXXXXXXX XXXX XX/XX/2022 To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account XXXX XXXXXXXX I acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. In late XX/XX/2022, I was involved in a serious financial hardship that resulted in reduction of work hours my inability to make payments for several months. 

During the period of my recovery, I struggled to maintain my financial obligations and had missed payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score. 

It would assist me tremendously if you could make a XXXXXXXX XXXX  that delete these negative account entrys from my XXXX credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration. 

Sincerely, XXXX 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 2023-04-14
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: Account status incorrect

Complaint:
Back in XXXX of XXXX, we were finally approved for a VA Hamp modification after the attorney sent XXXX XXXX several letters due to them denying us. They placed us on a temporary modification for 90 days as it was required. The month of XXXX, XXXX and XXXX were all paid on time, therefore we were given a VA Hamp permanent modification. We paid all of our payments on time yet XXXX XXXX  continues to report I was late all the way to XX/XX/2016 which is incorrect. If I was late like they claim why did they approve me for the Permanent Modification? There was {$16000.00} in arrears that were placed as a balloon payment in the modification so they were not suppose to be reporting anything late. Attorney XXXX XXXX, XXXX. told me I could file suit against them but we didn't have the money at the time to do so. I applied for credit and was told my credit score was low and the reason why is because of the mortgage late, even though they are almost 7 years old. I have a spreadsheet I downloaded from their website showing all of the on time payments. Also have a letter XXXX XXXX  had sent our attorney at the time stating all payments being current. Payments had a grace period in which we kept it within that grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: MS
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and updated for erroneous reporting in my file is listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Ive written a letter this month with information and I have disputed several accounts in the past. There are several items that are inconsistent across bureaus, chargeoff status reporting balances when they should not, inconsistency with late payments that are inaccurate, a file reporting a past due balance when it is current and a XXXX balance and more. Each credit bureau has been sent detailed letters on what was wrong and what needs to be updated. I want my report updated as written in the letter.

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 2022-12-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Ive written a letter this month with information and I have disputed several accounts in the past. There are several items that are inconsistent across bureaus, chargeoff status reporting balances when they should not, inconsistency with late payments that are inaccurate, a file reporting a past due balance when it is current and a XXXX balance and more. Each credit bureau has been sent detailed letters on what was wrong and what needs to be updated. I want my report updated as written in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions 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 have been disputing for the removal of the fraudulent accounts and information being reported on my Credit File. I started disputing the fraudulent accounts and information since XX/XX/XXXX and have been constantly sending disputed letters every month as well as submitting CFPB complaint. Under the Fair Credit Reporting Act section 605b, the XXXXredit Reporting Agencies are required to remove the disputed accounts and information that were incurred due to identity theft. However, the Credit Bureaus have claimed that the disputed accounts were verified and belong under my name. I previously contacted the Data furnishers and inquired regarding the disputed accounts. They responded to me stating that the disputed accounts were indeed reporting reporting erroneous information in some way. I am submitting this CFPB Complaint to request to the Credit Bureaus to immediately remove the disputed accounts from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I need the following items deleted as soon as possible : XXXX XXXX XXXX IN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX. Also, the Credit Bureaus have been claiming that the disputed accounts were verified and yet they have failed to present me copies of proof of their verification which is a clear violation of the FCRA regulation.

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 2023-06-30
Company: EQUIFAX, 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:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/2022, XXXX XXXX Date of inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022 & XXXX Date of Inquiry XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
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:
This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

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 2022-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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. 

15USC 1681 Section 602 states I have the right to privacy.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: MD
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 inquiries on my credit report that I do not recognize.

Company response to consumer: Closed with non-monetary relief