BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, We own a home in XXXX XXXX that we refinanced with closing date XX/XX/XXXX. The refinance company XXXX was wonderful to deal with and they sold/transferred the loan to PennyMac Loan Services effective XX/XX/XXXX. 

A full year 's worth of wind insurance XXXX {$3500.00} XXXX and property insurance XXXX {$780.00} XXXX was prepaid by us during this recent refinance of the property and PennyMac received that escrow money when it assumed servicing of the mortgage loan XX/XX/XXXX. A total of {$5100.00} went to Penny Mac  XX/XX/XXXX in escrow to pay for wind & property insurance as well as property tax. PennyMac did not pay the windstorm, hurricane, and hail insurance or property insurance when due on XX/XX/XXXX and the wind & property insurance lapsed and we were sent notifications that we no longer had this insurance coverage. PennyMac actually started to communicate with us about our loan on XX/XX/XXXX so it had over 6 weeks to prepare for this escrow payment. 

We spent hours during this timeframe trying to reach a representative at PennyMac but had absolutely no success in navigating the phonetree options at XXXX. 

We received a very threatening warning letter on XX/XX/XXXX from PennyMac dated XX/XX/XXXX stating that we had let our XXXX XXXX windstorm, hurricane, and hail insurance expire or lapse. The letter stated that PennyMac was going to purchase insurance for the property and that we would need to reimburse PennyMac. 

Ultimately this was resolved with PennyMac paying the insurance coverage out of escrow but it took many calls and emails from us and our insurance representative to get this accomplished. 

We have owned many homes in our lifetime and undergone many initial mortgage applications and refinance processes and our experience with PennyMac over this insurance escrow issue has been the worst, bar none. Because of similar complaints raised in the XXXX website we feel it is our duty to bring these complaints forward to the CFPB. 

The company has all relevant emails and documentation on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: MO
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:
Incorrect information on my credit report

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 2017-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Im A  XXXX  living in  XXXX   XXXX   XXXX  and  XXXX  says they cant Proses my Information electronically and i have two send it buy  Paper M ail  XXXX  is the Counter  Fit capitol of  the World i should not print documents at and  internet Caffe  and the mail is extremely Unsafe.     It Would Tak e 40-60 days two mail the  Credit Burrow from  XXXX  I have  two Fly Two   XXXX  and ask  XXXX  that 13 Years i cant get a new ATM card with a  XXXX   credit score be cause my payee sabotage everything Can I sue the Credit Burrow from  XXXX  that i cant get a New ATM card in 13 years  XXXX  - A World of Insight We 're sorry. We were unable to honor your request.       Sending us your information To submit your request by mail, please send your documents along with  one copy of a government issued identification card, such as a drivers license, state or military ID card, etc., one copy  of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number.  Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, maga  zine subscriptions  or postal service forwarding orders as proof. To protect your personal identification information,  XXXX  does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. Be advised that written information or documents you provide with respect to your disputes  may be sh ared with any and all creditors with which you are disputing.       Mail this form to :  XXXX     XXXX   XXXX   XXXX   XXXX  ,  TX  XXXX  Your identification information  XXXX   XXXX  Social Security Number :  XXXX   XXXX   XXXX   XXXX   XXXX  MN  XXXX  Report number :  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 2021-05-17
Company: Credit Plus 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 just checked my credit report and it shows multiple hard inquiries that i did not authorize and i am asking for it to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required XXXX Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXX XXXX XXXX XXXX enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$6200.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX  accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-12-29
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: Personal information incorrect

Complaint:
I submitted on XX/XX/2022 and XX/XX/2022 for the wrong address/ and the wrong name to be removed but I have not recieved a notice or a follow up responce. 
I am unfamiliar with the address and the name on file and its not unaccurate.

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 2022-07-10
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 


XXXX XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681 c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than Seven years.

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 2022-04-03
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX  previously had a XXXX XXXX mortgage that never existed on my credit report, had lates that were fixed and never existed, and now is reporting 120-day lates that never occurred as mortgages were in forbearance and then transferred to loan modifications. The recorded correspondences ( numerous ), paperwork doing loan modifications, and email correspondence show in every aspect that there were no late payments and loans are current. I have a XXXX wife from XXXX XXXX XXXX I have to support, and a XXXX child and these sloppy errors massively affect my business and ability to move forward as a result of COVID as credit scores make or destroy reputation and business alliances. 

This needs to be resolved immediately as this unprofessional sloppiness and the months it took for XXXX XXXX to fix the previous XXXX XXXX  mortgage balance that never existed, and previous false lates created lots of damage. These 2 false 120 day lates on 2 mortgages that were approved for loan modifications and more, cased considerable damage. Should these false late payments not be resolved immediately I will more aggressively make it my mission to do massive social media and online campaign to bring forth thousands of other XXXX XXXX  customers for a class action lawsuit and complaints to banking commissioner.

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 2022-12-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX 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

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 2021-08-01
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I operate an account for a nonprofit that helps fight veteran XXXX and suicide on PayPal. On XX/XX/2021 we received a donation from an individual who had conducted a legal raffle of a custom-made duck call. He conducted this raffle on his own, he's unaffiliated with our organization, and he did not use PayPal to conduct the raffle. He simply donated the proceeds to our organization to help in the fight against veteran XXXX and XXXX  and to signify who the donation was received from he put " duck call raffle '' in the comments on the donation. 

Out of the blue on XX/XX/2021 we received a notification that we were no longer allowed to use PayPal services because a " review '' had determined we had " violated the user agreement. '' It further stated that we were not allowed to access our funds, remove our funds, or transfer our funds until they decided to contact us in 180 days. I was confused and disheartened as we had not done anything to warrant this, and now our team was stuck without all the money we worked hard to raise for our cause for the next 180 days without anyone even offering us an explanation. 

I quickly learned that the system had flagged the word " raffle '' in the comments on that individual 's donation and that's what led to the ban. I figured this would be easy to explain and remedie, but boy was I wrong. I tried calling several times, yet no matter what time of day it was or what day it was I received " no agents available, call back during business hours '' messages. I tried virtual communication through their chat service and got nothing but " no agents available, try back during business hours '' messages. I tried sending emails, and got no reply. Finally I tried contacting customer service through my personal account and quickly reached someone. 

I went through dozens of representatives who gave me the gamut of directing me to the FAQ page to telling me that I had to contact them using the affected account. One agent even called me and allowed me to explain, said that she understood, and that my account would be unlocked in 48-72 hours. Yet, a week later, still locked. I have tried and tried and tried but PayPal refuses to give any avenues for remediation of the supposed violation of their user agreement, they've illegally seized all of the money our organization had raised, and expect us to operate without it for 180 days. Furthermore, their very own message says that we can refund the transactions, yet if you try it says that it can't be done. They've effectively just stolen our money. 

After a short investigation, I've found dozens of other people who have been victimized by this company in the same fashion. PLEASE don't let them get away with this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX has illegally reported a total count of XXXX late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.

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 2023-07-28
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I see a fraudulent transaction on my Citi bank credit card for {$190.00}. I got some gummies delivered to my home which I did not order, Since it is a fraudulent transaction I disputed ( Case id XXXX ) with Citi bank, they said the merchant has provided proof of the transaction so they will not accept the transaction as fraudulent. My issue here is, even in the letter that Citi Bank says the merchant has provided, the merchant details don't have any real information, the contact number mentioned as the merchant 's contact is not working, and the merchant from whom Citi Bank says I brought the gummies website is also not working. when I XXXX about it online I can see a lot of people have gone through the same scam but Citi Bank is failing to recognize these as fraudulent transactions. 

Another thing is, on the same day there are many fraudulent transactions that I disputed and Citi bank agreed to except for this transaction. 

My Credit card number is XXXX. 
Dispute case that I filed with Citi - XXXX. 
Date of Transaction - XX/XX/2023

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 monetary relief
Consumer complaint received 2022-10-26
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXn has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation