BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We pay our mortgage company, PennyMac, every month early. For the past several months, instead of posting the payments, they put the payment in suspense. They they call and treat us like dead beats that dont pay. When we tell them they have our money, they ask if we want them to apply it to our mortgage, after they slap us with a big late fee. This seems like a revenue building fraudulent system. This practice is improper because they know there is NOTHING we can do about it unless we are willing to pay closing fees and go through the whole refinancing process which is awful. 

Our builder gave us incentives to finance with PennyMac. Because of this, all of our neighbors have PennyMac. By comparing notes, I know that these practices are VERY common. It is systematic and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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 status incorrect

Complaint:
Ive contacted XXXX numerous of times took the proper steps to get the all resolved and they keep updating my profile as remaining These inquiries should not be on my profile as they were made due to fraudulent Creditor XXXX  Inquiry Date XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX  XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX  XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX Creditor : XXXX Inquiry Date : XXXX Creditor : XXXX  XXXX Inquiry Date : XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXX XXXX XXXX * DateXXXX XXXX XXXX XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXX XXXX XXXX * CompanyXXXX XXXX * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX * DateXXXX  XXXX, XXXX * CompanyXXXX  XXXX XXXX XXXX * DateXXXX XXXX XXXX XXXX * CompanyXXXX XXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX * DateXXXX  XXXX, XXXX * CompanyXXXX XXXX XXXX  XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXXXXXX XXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX  XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX * XX/XX/XXXX * CompanyXXXX XXXX * XX/XX/XXXX * CompanyXXXX XXXX XXXX XXXX * DateXXXX XXXX, XXXX XXXX CompanyXXXX XXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXXXXXX XXXX XXXX * DateXXXX XXXX, XXXX XXXX CompanyXXXX  XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXXL * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXXXXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX  * DateXXXX XXXX, XXXX * CompanyXXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX  XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX  XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX. 
* DateXXXX XXXX, XXXX * CompanyXXXX XXXXXXXX * DateXXXX XXXXXXXX, XXXX * CompanyXXXX XXXXXXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX XXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX  XXXX * DateXXXX XXXX, XXXX * CompanyXXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXXXXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX * DateXXXX XXXX, XXXX * CompanyXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: LA
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 account was removed and replaced. Between XX/XX/2022, and XX/XX/2022, the following remark and account were removed from my XXXX account, Account information was disputed by me, and met the FCRA requirement PLEASE REMOVED THIS ACCOUNT IMMEDLY, ONCE AGAIN PLEASE REMOVE THIS ACCOUNT OOF MY CREDIT REPORT, THIS ACCOUNT IS DAMAGING MY CREDIT SCORE AND BEING USED TO BRING DOWN AND DISCREDIT ME AS A CONMUSER AND THIS IS AGAINST THE LAW, IF NOT REMOVED I WILL BE FILING CHARGES. SEE BELOW FOR PROOF OF THE ACCOUNT WAS REMOVED. tHIS ACCOUNT HAS COST ME AND MY KIDS A HOUSE WHICH i HAD UNDER CONTRACT WITH A REALTOR, PLEASE REMOVE NOW OR A LAW WILL FOLLOW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Self Financial Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I was XXXX from XX/XX/XXXX to XX/XX/XXXX. I had a SELF. account that was past due XXXX  months because of miss payments. I don't have a job yet and my account got shutdown and my credit was badly hit because of that. I called them and asked to get it removed and was told to call a credit bureau ( XXXX ). Which told me they can't take it off my report. I need it off my report I can not make the payments and its badly effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
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: Old information reappears or never goes away

Complaint:
I've requested to have information removed from the 3 collections accounts on my www.Experian.com credit report removed as they have all been paid off or keep appearing as they are over 10 years old. I asked for original contracts and was told that they can't give me that information. I've contacted the original lenders they want help. I've explained that I'm XXXX XXXX military of 16 years of service who is trying to buy a home and they still disregarded. I spoke with several employees of Experian and was told they are not allowed to share information. I asked how do they know the information is correct? Especially if the time elapse and the account should be removed. A company can sell the contract and the date starts all over again. Asking for the original contract is valid because it will show it was never mine as I never signed for the service. That's why they won't show me the original contract.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian XXXX is reporting inaccurate information on my credit report. The following inquiry listed in my reported does not belong to me : 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 2022-11-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hard inquiries are not authorized per ; 15 USC 1681 section602 A, states I have a right to privacy 15 USC 1681 section604 A, section 2 states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item ( s ) information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of has reasonable cause to believe the information is inaccurate. 

Please remove hard inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08
Company: DISCOVER BANK
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The statements that are currently are an issue are as follows XX/XX/XXXX  {$500.00} XXXX {$1500.00} XXXX {$3000.00} XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX {$50.00} XXXX  {$1000.00}. The actions I took were reporting IMMEDIATELY after receiving notification of these charges occurring. I have been battling an uphill battle proving my identity and trying to prevent these charges from occurring since losing my laptop on vacation while in XXXX. The laptop was stolen while I was snorkeling which contained ALL of mu information from bank statements pending job applications with my social security number card information etc and ever since, there were unauthorized logins to my XXXX  which has since been resolved my bank account, credit card accounts, email, XXXX  and the list goes on. Unfortunately, all of my passwords were the same along with the same email ( I have since most definitely learned my lesson and changed all of my passwords ) however, the charges started to roll in shortly after this. Even before getting back into the United States, my bank account was breached with wire transfers going to the XXXX Police and after a few card transfers XXXX had me switch my bank to a new bank account. The charges did not stop, loan applications were made in my name, even more charges kept happening and I was continuously putting out wild fire after wild fire until the beginning of XXXX. I had took my phone to a XXXX XXXX  employee and explained what was happening as it was a last resort and recommended by a very helpful woman from XXXX fraud department. The XXXX XXXX employee was able to find 2 files on my cell phone under the root storage file that ended in XXXX and XXXX which he stated are used by hackers to mirror my device onto an external device and control it via a separate electronic device. I work 12.5 hour shifts on a military base and am unable to be around my phone so this access would go unnoticed very easily. Ever since the XXXX XXXX employee did what he did, not a single unauthorized transaction has occurred on any of mu cards. The problem appears to have been fixed however, I am still taking precautionary measures and limiting the amount of use my cards receive on online purchases as well as locking the cards after each use. All other companies have resolved my fraud issues the only one who has not is Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX, 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

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: CA
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$230000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} This follow-up is to make sure that the listed accounts are validated.

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 2020-07-29
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I was trying to load gas into my vehicle, so I inserted my Wells Fargo Propel Card and it kept declining. I log into online banking and discover the phrase " account is closed, please call xxxx '' for both my Propel card and Visa Signature card. I was flabbergasted and confused as to what had happened. I had to leave the gas station I was trying to load gas at with less than 10 miles in my tank ... I call Wells Fargo and they just give me the run around with no real help. Not to mention they removed the 57,000+ points I had Go Far Rewards account that I EARNED..Wells Fargo has proven time and time again that they are scumbags who deceive and undercut customers.. Both my credit cards have ALWAYS been paid IN FULL. XXXX I even paid too much by accident once ... and this is how my kindness and professionalism is repaid?! It is good to know that Wells Fargo doesn't appreciate customers that pay in full and would rather egg on the customer who is having trouble to pay his bills in full, so they can charge them an exorbitant amount of interest ...

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 2023-02-23
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX All made Hard Inquires on XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: CA
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 accordance with the FCRA 's rules to ask that the mentioned account, that I believe to be erroneous and incomplete, be REMOVED right away on my credit reports within 30 days : XXXX  XXXX XXXX Balance Owed : {$1800.00} - This account was reporting erroneously. I NEED this account REMOVED as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi, We were customers of Wells Fargo between XXXX with Auto loans, and Mortgages and want to know if we are entitle to any compensation for the CFPB settlement ? and what we need to do to claim any compensation. 

Thank you, 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 2022-11-21
Company: EQUIFAX, INC.
State: TX
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the bureaus did not remove them. 

Sec. 602 States " I have a right to privacy. 

XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting 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 some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: FMS Inc.
State: MN
Product: Credit card
Issue: Billing statement

Complaint:
We received a debt notice from a collection agency related to a XXXX we had applied for but did not receive indicating that we owed {$250.00} which should be mailed to them. We contacted XXXX Rewards Card and they have no record of this and advised us to submit a complaint. 
The collection agency is listed as : XXXX XXXX, XXXX XXXX XXXX, XXXX, OK XXXX, Phone XXXX. I have not been able to reach them on the phone, and I will not contact them as I 'm certain this is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an Auto Loan through BBVA Compass Bank and I have been paying the required XXXX per month but the balance owed does not reflect what I have paid out and I have not gotten answers as to why or where my money has gone. I bought the car for {$43000.00} and have paid {$10000.00} to date. My account not only does not reflect that in the current balance due on the account, but also states that I am passed due {$3200.00}. This past due amount coupled with the current balance, {$39000.00} reflects as if I have never made a single payment on the vehicle in which I have had for 1 year and 3 months. In contacting this bank I was placed on hold numerous times and when I did get through they offered no response or resolution as to why my account was reflected this way. They only demanded my cooperation in taking care of the past due balance. I went to look the up on XXXX XXXX XXXX and saw that they are not XXXX  accredited ; which prompted me to seek further help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: MA
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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