BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-07
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Cash app locked my account and told me I had to open a real bank account and link my debit card. XXXX at XXXX XXXX OH told me that it can be done for sure so I opened the account at XXXX!!! And tried to connect my Debit card to cash app and its saying XXXX has changed this feat and I need my funds to be transferred from cash App to XXXX PLEASE FIX THIS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a phone call at XXXX from XXXX at XXXX XXXX regarding my dispute with XXXX XXXX XXXX for {$2900.00}. He stated that due to my signing a XXXX XXXX with XXXX XXXX XXXX in which they were supposed to reimburse me {$2900.00} via certified which I never received they could not help me. Please be advised I did not receive the monies specified. Which has brought me to this point. My credit card company states they will not refund my money, I actually sent them documented proof that I did not receive the checks. In their responses they provided a contract which I admitted to signing and checks that have never been cashed, which proves nothing. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have ONE YEAR to file a non-billing error type dispute. Every other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company they should open the investigation and issue a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
PennyMac Loan Servicing is filing foreclosure NOTICE of order etc with county registry of deeds during Hamp Streamline Loan Modification TPP. They have cashed 2nd check and yet are moving forward illegally on fabricated documents to foreclose dual tracking non compliance fed & state laws. they must be stopped from this illegal action to illegally take my house, while I am trusting the documents they are sending indicating I have qualified for STREAMLINE HAMP no doc, just send payments and they will provide Hamp Affidavit and 2 copies of loan mod for notary signature. they indicate 3 % fixed etc. IT IS OUTRAGEOUS THAT THEY ARE PROCEEDING WITH PHONEY DOCUMENTS WITH A FORECLOSURE BEHIND MY BACK. IT WAS DISCOVERED BY A FRIEND THAT THE DOCUMENT WAS FILED IN REGISTRY OF DEEDS XX/XX/XXXX THEY MUST BE STOPPED AND FORCED TO ANSWER AND COMPLY I HAVE WRITTEN REPEATEDLY TO PENNYMAC CEO XXXX TO COMPLY WITH LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: PA
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 have disputed the listed accounts on several occasions and the furnisher constantly changes the status of the account. These accounts should not be reporting to my consumer report because I have not given written consent for it to be furnished. These accounts also should not be furnishing any payment history as that is to be excluded from a consumer report. Please see attachments for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX - XXXX XXXX XXXX DISPUTES THIS ACCOUNT INFORMATION XX/XX/XXXX {$550.00} OPEN ACCOUNT {$550.00} COLLECTION ACCOUNT XX/XX/XXXX {$550.00} This account should be closed not opened because they charged an overcharge for am agreement not legally appropriate since I never signed to extend my offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: The Leviton Law Firm, Ltd.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX ( dba XXXX ) gave my personal phone number without first trying to contact me or our business. When I heard from the first debt collector, I emailed her and XXXX documentation that I had paid the final bill. I never heard anything back from either of them. About 2 months later, I started getting calls from XXXX XXXX, XXXX XXXX, and several other people at Leviton Law Firm demanding immediate payment and asking for checking account information. 

I asked them for details, and they would say things like " you know what you owe '' or would just not provide anything. It did n't sound like they had much information other than my name, personal phone number, and an amount they had been told that I owe. 

I asked them for an email address or office location so that I could forward them the documentation ; they said they could not provide that. They also said " you would n't be able to do that because it does not exist ; you know you have n't paid it. '' To date, I 've received over 20 calls from them, many of them before and after work hours. I asked if I could record the call at one point and they instantly hung up. I still have not been given any opportunity to show documentation that we have paid this ( which I have readily available ). 

Furthermore, XXXX ( dba XXXX ) has also not emailed or called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: ACS Education Services
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have tried to work with my current student loan over a couple of years to receive contact information the the bank that holds my loan or to understand why I can not receive that information. I have not been receiving statements or information about my loan for several years & my student loan company has not providing me information. I recently reached out ( again ) to the company to understand more about my loan & my current interest rate. It took 2 months of run around to even get access to my account and when I did, I was shocked to discover it was XXXX points higher than I believed. I have asked to receive information about the interest rate or contact information for the bank that holds the loan. I was told I could n't not have it. ACS, as the servicer of the loan, could not make any changes, and did not have any information or contact to discuss the loan with the holding bank. I was repeatedly told I would just have to " find another bank. '' I do not understand why I can not speak to my current bank about my loan and potential changes, before seeking out another bank or refinancing!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: EQUIFAX, INC.
State: NJ
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:
This is my second complaint on consumerfinance.gov regarding this issue. I sent dispute letters to the credit reporting bureaus in the past and again in XXXX and XXXX disputing information that is inaccurate and not mine on my credit report but they are still updating the account and leaving it on my report. I sent 609 letters letting them know the accounts are inaccurate and to please provide statements and records of all payments made and missed since I opened those accounts but they have not. There are some accounts that are charged off but accounts has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. This also falsely manipulates the statute of limitations.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validatio
n constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold to PennyMac, XXXX XXXX XXXX , XXXX, CA XXXX in XXXX/XXXX/2015 at this time they started calling me saying I was behind and owed XXXX. I have had XXXX phone call conversations with them over the last 3 months trying to resolve this. I have recently found out that the was charging me XXXX for flood insurance when I already had flood policy in place for 2yrs in the amount of XXXXXXXXyr, also they had my home owners at XXXX when it is XXXXXXXXyr. My taxes are XXXXXXXXyr they have me at XXXXXXXXyr. They have reported to credit bureau I am behind on payments and late? I have my canceled check stubs showing that I have made all my payments and not been late. They have my escrow account screwed up and report things to the credit bureau that are false and untrue. I would like a breakdown of my loan where the money is going, principal, escrow amounts, fees ect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: ACS Education Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I took out federal subsidized and unsubsidized student loans when I went to XXXX University. I graduated was accepted at XXXX University XXXX XXXX where I took out the same federal loans, and also XXXX Plus loans. In XXXX 2015 I called XXXX to ask about a PSLF consolidation because I work at a nonprofit. I sent the application in on XXXX XXXX, they said they got it on XXXX XXXX. On XX/XX/XXXX, I got a letter from them about the consolidation, but the information was wrong, so I called. None of my loans with my ACS servicer were included in the consolidation, but the rest were. All are eligible, the only difference is the servicer. I spoke with a XXXX worker named XXXX, who told me that ACS is giving XXXX " a hard time, '' and that ACS does n't want me to consolidate those loans. ACS wrongly informed XXXX all my loans had a XXXX balance except the XXXX Plus loan, and they said that loan was ineligible. XXXX asked if ACS is collecting, and they are. None of the loans ACS services are either ineligible or have a XXXX balance, they are exactly the same kind XXXX included in the consolidation. XXXX said, " They ca n't have it both ways, tell us you have a XXXX balance and then collect from you. '' She said I have a legitimate complaint with ACS, but XXXX could do nothing about it. ACS will not give XXXX the information they need, so I had to cancel the consolidation and call ACS. XXXX said I could reinstate the consolidation application when they have the information from ACS. I called XXXX on XXXX, and they said they got XXXX 's request on XX/XX/XXXX, but it would take up to 30 business days to submit the information. I asked for an email confirming that. The said it would take XXXX hours to send it, but they would. On XX/XX/XXXX, I still did not have an email confirming they would send the information to XXXX, so I called ACS again. They said the same thing. I again asked for an email confirming that, and they agreed. It is XX/XX/XXXX, and I still do n't have an email from ACS I tried to file a complaint with the Ohio AG, but their website has been down the last two days. ACS refuses cooperate with me or XXXX, they are not complying with the terms of my loans that allow me to consolidate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I really do n't know if this is a payday loan or not. But these people contact me at home, my parents home and my place of employment. Awhile back, I went through a payday loan support company to assist me in the validation of this loan. I was told that validation letters were sent out and no one responded. That was exactly XXXX years ago. Since that time, only XXXX number keeps calling. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was just going over my file I saw a few addresses that do not belong to me on my credit report. I was looking into getting a Government Job when I noticed the errors in my personal information. My address is XXXX XXXX XXXX XXXX XXXX OH, XXXX. I have been at this for over 5 years. The following addresses do not belong to me. I XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX CT XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, 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 2016-05-01
Company: ACS Education Services
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have several student loans that i just now have been notified that are in default. I was never alerted of being delinquent or that repayment of the loan had started. The first notice i received was from a debt collector stating that I was in default on repayment of my loans! I 've attempted to contact all/ each service provider and keep getting the run around : either ( 1 ) trying to get me to pay a ridiculously high amount or all the loans ; or ( 2 ) claiming to not have information regarding getting out of default by rehabilitation, consolidation, or getting into any income based/ income contingent repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have filed a complaint 2 Timws with XXXX.i have paid the account in full, and they still call me at least 2 to 3 times a day. There is no need for wells Fargo to continue for harrsement If the account paid in full.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: SC
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 Accounts 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 Accounts : 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 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 2016-01-18
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted TSC Accounts Receivable Solutions at the phone number given in response to another complaint. I agreed that account # XXXX, for date of service XXXX/XXXX/XXXX, with a current balance is {$270.00}, including principal and interest, was indeed mine, even though they did not have anything with my signature on it as such. I paid this in full and was told it would be totally removed off all my credit reports. 

The account, # XXXX, for date of service XXXX/XXXX/XXXX, for {$220.00}, including principal and interest ( the lessor of the XXXX reported ), is unknown to me, so I asked for debt validation. At this time, TSC does not have anything with my signature on it proving it is indeed my debt and not an error. I requested debt validation and was told I will have to call back in a month to find out the results of the dispute. As TSC does not have proof that this is my debt, reporting it as such is a violation of the FCRA. I request TSC remove this debt from all reporting agencies until such time as they can prove this debt as valid and owed by myself. I have already suffered loss because of the reporting stated in my initial dispute and this item will continue to cause me losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Eastern Revenue, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never enrolled in the school and yet they have {$510.00} bill that I do n't owe. I did n't go to the school and I do n't owe this debt. They promised me in XXXX they would remove this charge but I see in XXXX it is now a red flag on my credit report. This is wrong on every side, especially considering I DID N'T attend the school. 

I XXXX from a XXXX program in XXXX but never attended after that. They rejected my application for the XXXX program so the debt is not mine.

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 2015-09-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2015 we got a pre-foreclosure letter. We had several conversations, as we have always paid at least 2x 's the amount due or more. They said that they were sorry and it was a mistake that we got the letter. On XXXX 2015 statement, they added {$780.00} fee for FORECLOSURE FEE. I have contacted them by e mail and phone and every one I talk to says that a supervisor will call me back. No such luck. No one had responded. I have had to refinance this loan to get away from PennyMac and their " computer errors ''. The pay off notice that was given to the new company has " Foreclosure fee '' listed. This has caused some problems with the new lender. I want this fee reversed and they send me a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: IL
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:
Without written permission from me the following companies pull mine credit reports and place hard inquiries on my 3-reporting credit bureau accounts . 
US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - nonspecific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Without written permission from me the following companies pull mine credit reports and place hard inquiries on my 3-reporting credit bureau accounts . 
US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - nonspecific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2022-05-17
Company: DISCOVER BANK
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, after trying to rent an apartment and being told I need a guarantor, I checked my credit score. It was extremely low, so I ran a report and found a fraudulent account that was on there through Discover. I contacted the police to file a police report and I contacted Discover who put me in touch with XXXX and XXXX to open an investigation. They shared that it would take a maximum of 6 weeks to complete the investigation and then the fraudulent account would be off of my credit report and my credit score should reflect as such. However, after 60 days, I called XXXX and XXXX after seeing no change in my credit score. They reported that they were unsure and would have to get back to me, but have not yet done so. I called Discover again and they said they would open their own investigation and try to resolve it. It has been two months of back and forth with Discover to no avail and I am unable to do anything regarding credit because of their inability to take the right steps to handle this issue.

Company response to consumer: Closed with non-monetary relief