BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
To whom this may concern, I received a tax bill from my county in XXXX where it showed that I had some delinquent taxes not paid. I immediately reached out to our servicer PennyMac to advise them about the bill. They initially told me to disregard it because they had already paid my taxes. So, I did, initially. However, after reaching out to the county they told me I indeed owed taxes. So, I reached back out to PennyMac and started a request to get the taxes paid. They apologized for the situation and told me to send in the tax bill via their messaging center. So, I did on XX/XX/2023. Since then, they have told me it would take 14 business days to get it to the right department. After a few weeks a representative reached out via their message center and said my next statement will reflect the payment they sent. However, they only sent {$35.00} of the {$1400.00} owed. I have again been reached by the county and was told they will start charging me late fees. We have already assessed a late penalty fee of {$120.00} and an interest charge of {$22.00}. We have a servicer and an escrow account set up in order to avoid these types of things. They have yet to help me with this and I am getting ready to XXXX XXXX with this issue still looming over my head. Please help me resolve this because PennyMac has not made it a priority to review the bill correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Prince Parker & Associates
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company is repeatedly calling and not identifying itself or full purpose of the call. They will not answer questions and refuse to stop calling when asked. They continue to call using different numbers in an attempt to hide the repeat calling pattern. 

They are calling from XXXX, XXXX, XXXX, XXXX and others with similar suffix changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions 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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late closed were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I recently checked my FICO score through my bank and I noticed that my score is about 670 which falls under fair. I have been on time on all my payments for the past 8 years and last year I paid off 7 different student loan accounts, I also have a public record ( bankruptcy, XX/XX/XXXX ). So I decided to check with all three credit reporting agencies to find the issues that were negatively affecting my credit score. 
My credit score at XXXX  was XXXX, at XXXX, XXXX and at TransUnion, XXXX  which is lower than the other reporting agencies by more than 100 points. I contacted TransUnion to find out why their score was much lower than XXXX and XXXX which is bringing my over all credit score down. 
After speaking with TransUnion I found out that they did not have my current employer information, they did not have the 7 closed student loan accounts and mentioned my public record is the main issue bringing my score down. 
I understand that I have a bankruptcy on file and that should affect my credit score but after 8 years of being on time on all of my obligations, I think my TransUnion score should at least be in line with other credit reporting agencies. I honestly do not believe an eight year old bankruptcy should lower my TransUnion credit score, more than100 points lower than others. 
This lower FICO score makes it impossible for me and my family to qualify for any home loan and it is costing us a lot more in interest for other loans and credit cards. 
I thank you in advance and hope to hear from you soon.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2023 I applied for a secure credit card filling funding the card the same day with {$500.00}. I called XX/XX/XXXX to get a refund I also callled again and email the company asking for the status of my refund for XXXX I told them I dont want there services and to refund my money back to my card. The company purposely waited.and I spoke with my bank to inform them on a XXXX way call the merchant said he will Refund me back {$500.00} but it will be 4 7 to 10 weeks ans they will send me a check I then told First progress to provide me with certified confirmation of the check that they said they will mail off to the address I have them to mail it to but he told me He couldnt do that. Company within enough time to refund my phones back to my card. However, they purposely didnt. If you look on The company XXXX  it shows a reputation of this. I was never giving a reference number or anything showing that the account is closed and the refund is on its way.. First progress and my bank both were on a three way phone cal this morning on XX/XX/2023 First progress apologized because they couldnt send the funds back to the original card Im requesting proof of my refund and to speak with someone in a hire department because they should have been able to credit it back to my card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
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 2023-10-07
Company: Experian Information Solutions 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:
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.

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: In progress
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: OH
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 I sent an investigation request letter to Experian, about the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX. 



I asked for verification on, if all the accounts referenced were reporting 100 % accurate information, because i wasnt sure that they were. 

I also asked that, if any account werent reporting accurate information, then the account in question be removed according to 15 U.S.C. Sec. 1681i ( a ).

This request to Experian happened over 30 days ago and i still have not had a reply, which is a direct violation of 15 U.S.C. Sec. 1681i ( a ). Under 15 U.S.C. Sec. 1681n ( a ) i have the right to charge for any violations and failure to comply with the imposed rules of 15 USC.

I will attach a copy of the sent investigation request letter. 
I will attach a copy of the invoice for the violations of each account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since XX/XX/2023 I've randomly had my overdraft taken away for no reason and my account has been in good standing. My bank hasnt told me as to why they are stopping my overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, I received a call from a Chase representative, from the Chase customer service number, saying that my account had been compromised. They had identifying information about my bank account, information Chase is responsible for protecting. They used that information and the fact that they were on Chases phone number to convince me that I needed to initiate a wire transfer reversal to stop funds from leaving my account. I took these steps, under the advisement of the Chase representative, to protect {$9200.00}. Except it was someone who had spoofed Chases phone number and was actually wiring the money to themselves. I immediately went into a Chase branch in XXXX, Texas, and asked them to stop the transfer, but it was too late. They put in a swift recall request with XXXX XXXX to mark the transfer as fraud, but I learned on XX/XX/2023 that it was unsuccessful and the money had left the account it was wired to. Neither Chase nor XXXX XXXX have offered any solutions other than asking the person who took the money - a scammer operating under Chases name and phone number, with my personal information at hand - to give it back to me. I would like Chase to take responsibility for the lack of care they have taken with their own phone number, as well as my personal information, and take additional steps to restore my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX Balance Owed : {$7400.00}

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 2023-11-14
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
On XX/XX/2022 I applied for and was extended a balance transfer of XXXX by AMerican Advantage Aviator and was charged a XXXX fee for which I have written proof. This promotion came with a year to pay off that amount as long as minimum payments were made. The following month, the credit card company immediately started charging interest although I paid the minimum and much more by the due date. The interest rates kept coming even after I disputed several times. Finally, AA aviator is stating that they have no record of this promotion being extended even though I provided written proof. My attempts to get this resolved with them went on for over a year. Finally I gave up and was advised by an attorney office to contact CFPB. Of note is that even before this incident, I had to make three different disputes about frivolous interest rates s that were later reversed speaking to the history of this CC companys bad business practices with my account alone. However the last issue is still unresolved.

Company response to consumer: In progress
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: FL
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:
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.

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 inructions 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: In progress
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-11-03
Company: Integrity Financial Corp. DBA US Loan Servicing
State: NV
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
The loan company loan was in two names the name of the person making the complaint and another. The loan was paid by one person the money instrument was written to the loan company in that one name. When the company wrote a loan cheque they wrote it in both names. The cheque can now not be cashed as the second person refuses to attend to cash the cheque. When the loan company was requested to please write the cheque out in the name of the person who paid it. They refused. I am simply asking that facts be recorded accurately as it is causing a problem with the property title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING EQUIFAX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 
XXXX XXXX Bank is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX Bank according to XXXX XXXX regulation Z Billing Error. 
I have asked XXXX XXXX to verify and validate the debt they alleged I owe and I requested that the ORIGINAL CREDITOR be identified according to XXXX XXXX XXXX Regulation f The Fair Debt Collection Practice Act XXXX XXXX Bank has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX XXXX Bank should delete all account information they share with Equifax, XXXX, XXXX, and any other XXXX XXXX XXXX. I did not consent to have my information shared with anyone or company. 
Since XXXX XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block Block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX XXXX. If I received goods or services please have a senior executive certify under penalty and perjury that I received goods or services under this transaction. 

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: CA
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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