BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a XXXX credit card before and I noticed that this collection agency put this in my credit file. Please investigate this matter and I would like to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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:
I have called and sent in letters to all 3 credit bureaus Experian, XXXX and XXXX XX/XX/XXXX and XXXX 2022 by phone, I also sent in dispute letters on XX/XX/XXXX, asking that all incorrect names, addresses, phone numbers, spouse and employers be removed. I have also asked for them to verify accounts that are on my credit report because they aren't my accounts as I have been a victim of identity theft twice. The credit bureaus have failed to do so, and it has hurt me in getting approved for housing and other credit due to inaccurate information being reported. 
They have failed to verify accounts and remove all incorrect information. I have also asked that any correspondence be sent by mail and they have ignored that request.

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 2017-06-13
Company: STATE FARM BANK, FSB
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We desperately want to save our home. We 've been trying to get a loan modification with State Farm Bank FSB, but our efforts have been futile. We started this process in XX/XX/XXXX, it is now XX/XX/XXXX and no approval. The loan modification process is ambiguous and not transparent. The Consumer does n't know what to expect and all decisions are up to the Underwriter. The consumer is not informed of the process or criteria. As a consumer I should know what happens the moment the packet is received. There is no checklist of what is being done on your packet and how the decision was arrived at. State Farm Bank FSB, also does n't allow the packet to be emailed or Signatures to be docu-signed. Their system is on the cutting edge of functional obsolescence. You can only fax or mail documents. This considerably delays the process. We are not able to know the name of the Underwriter handling the modification. When items are supposedly missing we would receive a letter that comes ten to fourteen days later. By the time we 'd get it the other documents would expire. State Farm Bank would consistently ask for the same information over and over again.
<P/>I filed for Bankruptcy and State Farm Bank knew this, but they still requested I pay off liens that was on the property. We thought that was a good sign, and since State Farm Bank made this a condition of the loan modification we did as they requested. Once we got the property in good standing they denied the loan. Stating we did not live at the property. We are now out of pocket over $ 10K, this was money we were saving to pay towards the mortgage. <P/>I wrote letters to State Farm Bank 's Attorney, State Farms Management XXXX XXXX and XXXX XXXX. I also left a voicemail for XXXX XXXX onXX/XX/XXXXto return my call, but have not received a response or call back from the Manager yet. I also followed up my call with a faxed letter to her, have written to State Farm Banks Attorney and the managers at the company, however all my letters seem to fall on deaf ears. <P/>Since State Farm Bank denied our loan for not living at the property and we submitted proof that we do. Can State Farm Bank turn around and deny us for a different reason? Our packet should not have to sit on someone desk another 30 - 180 days while our mortgage and late fees are mounting, especially for an appeal. We was told there is no time frame for the Underwriter to make a decision on an appeal. This is totally unfair. <P/>I have called HUD counselors and done everything I can. We have done a lot of work to this property and have paid off liens. We want to save our home and are asking State Farm Bank to do the right thing and give us a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, 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:
Equifax- Mailed letter on XX/XX/21, XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus. 

XXXX Mailed letter on XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus. 

XXXX- Mailed letter on XX/XX/21 and XX/XX/21 : Several letter sent during the past year to delete XXXX  XXXX account because of inaccurate reporting. Account is reporting differently across all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: IA
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:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? Fix this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Account Control Bureau
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Account Control Bureau place for Collection with Derogatory remarks on my credit report. XX/XX/2016 I began XXXX XXXX XXXX. XXXX is responsible for all my Medical billing if submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This complaint refers to a previous complaint, ID XXXX, that Chase did not address. 
In their previous response, Chase referred to their Digital Services Agreement to justify their right to delay, block or cancel a payment. However, Chase did not explain why they gave misleading information, at multiple times. 
Chase blocked a wire transfer that I initiated on-line on XX/XX/2021, and specifically asked for missing information such as my Name, Address, DOB, XXXX. All information was submitted twice, both on-line and at the branch. Each time, there was an acknowledging email message, confirming a response would be sent to me within 2 days. In addition, the Chase branch manager, upon contacting the Chase XXXX XXXX department, told me that a reply would be available within 2 days, as he confirmed in his letter XX/XX/2021. The bank never provided any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used PayPal service app for 5 months straight and have had around 500 pounds in my account when they suddenly decided to delete my account for absolute no reason. I was begging them to let me know why or how it can be fixed but there was absolutely no response from the support team.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2021, I sent in a letter disputing and challenging the accuracy of the item being reported on my credit report ( see attached ). Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax provide debt validation and debt verification on this item. In addition, on April 7, 2021, I sent in a 30 day demand letter ( see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that this item be immediately removed and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: The Receivable Management Services LLC
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 received notification of this agency place this collection on my credit reports today. Ive never gone into a contract with this company nor have they proved the validity of this debt. I have no recollection nor have I received notification. 
These rouge collection agencies are taking advantage of Covid, I predatorily adding collections to hard-working persons account without doing their due diligence

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 2022-09-12
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX I took my daughter to XXXX 's and at check out was offered a store card. I was approved and the balance of was charged to my account. 2 weeks later, I had not received anything from them, no card, no statement, so I called, and they said they had the correct address and I should receive the card and statement within a few days. 2 weeks later, still nothing. I call back and I tell the girl I have to pay the balance because I don't want it hitting my credit and she is able to pull up the account with my ss # and let me make a payment. That was in XX/XX/XXXX. Today I get a phone call saying I owe {$65.00} dollars. I call and they tell me it's late fees because when I paid the bill I paid {$0.00} cents less than what I owned. I still haven't received a statement or a card from them, so I asked them to close the account and remove the fees because why would I not pay XXXX cents knowing it would cost me so much more and a bad hit on my credit. I have many credit cards. I always pay them on time. I even have several other accounts with comenity bank which is who services XXXX XXXX XXXXXXXX XXXX store cards. They can look at my history and easily see that this is not my fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-21
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I found some inaccurate, erroneous, unverified items on my credit report. I decided to dispute the invalid items listed on my report with the collection company on XX/XX/XXXX & I got NO RESPONSE. I then decided to dispute the items with the three major credit bureaus, and eventually I received letters from all three bureaus with different information about the same inaccurate accounts. I have no recollection of these accounts ( MIDLAND CREDIT MANAGEMENT, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, and I asked that these accounts be DELETED Immediately. Id also like to know their ( XXXX, XXXX, XXXX ) method of verification ; because I dont believe the investigation Is being conducted in good faith. MIDLAND CREDIT MANAGEMENT - ( {$2600.00} ) XXXX  XXXX XXXX  XXXX - ( {$1500.00} ) XXXX XXXX XXXX - ( {$650.00} ) Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Self Financial Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I am trying to link my XXXX bank account to Self, a credit repair service because there is a fee if I use my debit card when making payments. If I link my bank directly, there is no service charge when making payments. Apparently, XXXX doesnt allow to link accounts like this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Finance of America Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint concerns two mortgage servicers, both attempting to collect mortgage payments from me for the same mortgage. I have repeatedly spoken to both companies over the last two weeks and both companies insist the other company is in error. My mortgage is due in three days and I am at a loss for how to proceed. Here are the facts : My partner and I entered into a mortgage agreement for a home in California in XX/XX/2021 Finance of America C/O XXXX sent us our first mortgage statement, which we paid on or around XX/XX/2021. However, a company called XXXX XXXX XXXX ( XXXX ) issued us a welcome letter stating that as of XX/XX/2021, XXXX was now servicing our mortgage. Finance of America, however insisted that it was still servicing our mortgage. In the last two weeks of XXXX I contacted both mortgage servicers repeatedly. Finance of America and XXXX ordered us to make payments through XXXX while XXXX ordered us to make payments through XXXX. 

After getting nowhere with phone calls, on XX/XX/2021, I sent an email to both companies demanding that they resolve this issue by communicating with each other. Neither company has yet responded to the email. 

Importantly, XXXX has all of my financial information, including our mortgage application and agreement, and Social Security numbers. We are unable to tell which company is our true loan servicer. Regardless, one of the companies is falsely attempting to collect our mortgage payments. We believe we have given them sufficient time to resolve this and at least one of the companies appears grossly negligent in handling this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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:
I sent Transunion a notice that they are furnishing inaccurate and incorrect information regarding charged off accounts on my consumer report. 

Initially I contacted Transunion to verify the validity of the charged off accounts, I then read a publication on the IRS website in which the IRS defines a charge off as gross or ordinary income. To my understanding, income does not get reported on the consumer report and that makes the charged off accounts inaccurate. 

Title 15 USC 1681s-2 says that those financial institutions are a furnisher of information to a consumer reporting agency.

Pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( A ), 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. 

Those companies are in fact PROHIBITED by law to furnish inaccurate information, but Transunion allowed them to do just that and caused me financial hardship. 

Furthermore, pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

Both the companies and Transunion have been put on notice and they continue to be in violation of the FCRA by continuing to report the charged off accounts to my consumer report. 

Please see the attached 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 non-monetary relief
Consumer complaint received 2017-06-14
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: Account status incorrect

Complaint:
Account was granted retroactive forbearance that covered these time periods. I notified  XXXX  to adhere to FCRA Se ction 623 ( a ) ( 2 ) i n  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
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: Account status incorrect

Complaint:
Account was granted retroactive forbearance that covered these time periods. I notified  XXXX  to adhere to FCRA  Section 623 ( a ) ( 2 )  in  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.

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 2020-02-15
Company: QC HOLDINGS INC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a phone call today from XXXX services threatening me with an arrest warrant for a payday loan from 2007 from the state of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2018 at XXXX PT I made a transfer money from wells fargo bank to XXXX in XXXX. It was a expressend service from wells fargo. I was sent XXXX $ from checking account. They said that money will be available on or before XX/XX/2018 in receiving location. But my sister from XXXX she didnt get any money. The XXXX said that money was not available and the confirmation number was incorrect. I dont know what to do. I have tried to call the wells fargo but i didnt have any good answers for me. Im so worries about my money. Please help me. Thank you

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