BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A blackwater flood damaged my home in XXXX of 2021, after 17 months of battling with XXXX insurance, a settlement was reached through the appraisal process at XXXX 's request. A check for the repair settlement was written to my mortgage company, PennyMac. 

I live and work XXXX hours away from the damaged property and have very little availability to travel to the company for a digital or physical inspection. PennyMac has issued less than half of the settlement funds to me and continues to cancel the scheduled inspections through their automated system. The inspection has been canceled three times. I am the acting XXXX for repairs and can not proceed unless PennyMac releases additional funds. Documentation of the expenses has been submitted. 

Repairs on the property can not proceed until additional funds are released. Additional funds can not be released until an inspection is conducted. Requests for an inspection have been continually cancelled by PennyMac. I can not reclaim $ XXXX of depreciation from XXXX unless repairs are completed withing the next 4.5 months. I can not reclaim depreciation until funds are released.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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:
in accordance with the fair credit reporting act i believe XXXXXXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.

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 2023-07-09
Company: EQUIFAX, INC.
State: CO
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:
I, like most student loan borrowers, were under the government forbearance ( still in place till XXXX ) so did not do anything to stop my payments from being active again. I found out just this month that my loans were not under the mandated forbearance and my loans are now in default over 90 days. Apparently my federal loan had been sold/purchased by XXXX and they did not tell me that my loan did not qualify - I still have not gotten a straight answer from them as to why my loan does not qualify. I did, in early XXXX, file a forbearance on my own on top of the mandated forbearance just to be covered once it ended, but XXXX does not show that my request was ever processed. When I discovered my credit reports show 90 days late, I immediately called XXXX to have them undo it, they refused and said I should just dispute it with the credit bureaus. The total amount of the loan with XXXX is {$7300.00}, credit report shows that I am 60 days late in XXXX and 90 days late as of XXXX of 2023 ( current for some reason in XXXX ). Again, XXXX did not ever tell me that my federal student loan did not qualify for the government mandated forbearance and they did not process my submitted document to request my own forbearance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXXXX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/19, I requested a free credit report using XXXX from all three nationwide credit reporting companies. I was unable to obtain a credit report from Equifax, but I was able to obtain a credit report from XXXX and XXXX. When the site attempted to retrieve the report electronically from Equifax, I received the following error message : " This site can't be reached. '' When I tried a second time, the site told me I had already obtained my free credit report - when I had only received an error message - and was therefore not eligible to receive it. I then submitted a complaint through the " contact us '' feature of this website, which is the only way I can see to communicate with the managers of this website. I have not received a response. According to internet sources, this website is managed by XXXX XXXX XXXX, a joint venture of three credit reporting companies. These companies are violating their obligations under the Fair and Accurate Credit Transactions Act, because the site is unresponsive to complaints when consumers encounter errors using the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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:
n accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXXExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have been a victim of identify theft yet again with Experian. I have no knowledge of this account with XXXX XXXX XXXX which has opened an account with my social security number and card. I am unaware about any of this and the FTC already has an investigation in motion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: TX
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 listed account down below has violated my federal, consumer rights to privacy and confidentiality under 15 USC 1681. 
**XXXX  XXXX  Account # XXXX- Has violated my federal, consumer rights. 
1 ) 15 USC 1681 Section 602A- I have the right to Privacy 2 ) 15 USC 1681 Section 604A- A consumer reporting agency can not furnish a account without my instructions.

3 ) 15 USC 1681c. ( A ) ( 5 ) Section- No consumer reporting agency may make any consumer reports- containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes with antedates the report by more than seven years.

4 ) 15 USC 1681S-2 ( A ) ( 1 ) - A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-07-27
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX ... I am XXXX years old ... .I HAVE NEVER LIVED IN XXXX , GEORGIA ... .I HAVE LIVED IN XXXX, GEORGIA my entire life ... .yet EQUIFAX has yet again added a XXXX XXXX apartment COLLECTION ON MY CREDIT REPORT THAT WAS ONCE REMOVED AND PROVEN TO BE FRAUD ... ..I HAVE NEVER ATTENDED IN SCHOOL IN ALL MY XXXX YEARS, YET EQUIFAX IS REPORTING STUDENT LOAN ACCOUNTS ON MY CREDIT REPORT THAT DEFINITELY DO NOT BELONG TO ME .... 

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-02
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I XXXX XXXX from XXXX XXXX XXXX XXXX. 
Opened a citibank checking account on XX/XX/2022 in response to a bonus offer for new accounts. The offer was {$50000.00} for a {$1000.00} cash bonus. Ive met all terms and conditions and never received the bonus. Multiple inquiries have been ignored. The branch manager, XXXX XXXX at citibank XXXX XXXX XXXX XXXX NY XXXX claims she cant help. 
I see online MANY people are having the same issue as me. 
The offer seems to be fraudelant and it seems Ive been scammed

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 2022-04-18
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 belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00}

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 2023-02-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hello, I am writing to you because I recently tried contacting all 3 credit bureaus and had the most difficult time in doing so. I spoke to 1 person on the phone from XXXX and he was very disrespectful. I kept explaining to him there's fraud on my account and he kept asking me the same questions over and over and not comprehending what I was saying. He also told me to send in my report which I did and still no change or anything. This Is very alarming what's going on, because this means criminals can just go around and steal innocent peoples information and identity and nothing is being done about it. I will have to get a lawyer and sue all 3 companies if this is not resolved immediately. This is also making me believe some of these companies can be involved with he fraud and now don't want to make it right. I would like my report to be taken seriously and have them remove these fraudulent accounts off my credit report. Please update me with a solution to this problem because next I have to contact the XXXX and Attorney General to look into this matter and seek compensation, cause this is not right on so much levels. Thank you for your time and I hope this can be wrapped up quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Notice to cease and desist unfair and deceptive trade practices. Please see the attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Blitt and Gaines, LLC of  XXXX  Illinois placed and illegal garnishment on my wages using false statements and document from th e Circuit Court of    XXXX   County, Illinois. They have included form that are not legal court documents. The amount is   XXXX   for a student loan that list   XXXX   XXXX   XXXX  ,   XXXX   XXXX   (   XXXX   ), and   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   as collectors.Then garnishment start date was   XXXX    XXXX , 2015. I have the court document to support the illegal garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In  XXXX   XXXX   2017  i finished pay the full amount of {$330.00} wi th Diversified Consultants Inc. Cred itor :  XXXX  and the debt is continuing in my credit report like collection debt. I sent the proof to  XXXX  that i paid this debt and they didnt take out to my credit report like collection. Also i summited an dispute without positive result.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested an economic hardship forbearance that was approved initially. Still made a small payment after, between XX/XX/XXXX &XX/XX/XXXX Navient added remarks to my credit report that I was affected by a natural disaster & it cause my credit score to drop 20 points ( I have not been affected by a natural disaster in any way ). Called customer service & was told that they were removing the forbearance, but it wouldn't be updated until the end of the month & also my account would be marked as delinquent. I'm in the process of trying to buy a home and I have to suffer for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update these immediately : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-04-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
on XX/XX/2022 @ XXXX XXXX my account got temporarily limited, I submitted all the required documents to resolve the problem, the next day, at around XXXX XXXX, I received email that my account was restored, and they have removed all the limitation, with this email, I sent the link of my paypal account to my clients and start receiving payments, unfortunately, Paypal didnt give a chance to withdraw my money, because on the same day at around XXXX XXXX, they permanently limits my account after receiving funds,. hoping for your action on this. atleast to withdraw my funds.

Company response to consumer: Closed with explanation