BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PennyMac continues to knowingly engage in the prohibited practice of dual tracking while having received timely all the required documents and financial information from the borrower requesting a loan modification. 

PennyMac received within 37 days prior to the scheduled foreclosure sale of XX/XX/XXXX, a completed application with supporting documents. 

Penny acknowledged receipt and never provide any missing documents letter to date.

PennyMac is claiming that they stopped the foreclosures sale of XX/XX/XXXX, to review the mortgage assistance application. This is totally false. PennyMac played no role or part in stopping the sale of XX/XX/XXXX. 

I confirmed, the Sheriffs office received " NOTHING '' in writing from PennyMac or its legal representative to stop the foreclosures sale of XX/XX/XXXX. The Sheriffs office has no written records of PennyMac making any efforts to stop the foreclosure sale of of XX/XX/XXXX. 

I personally had to go to the Sheriffs Office on XX/XX/XXXX, in order to make the request to adjourn the foreclosure sale and have attached proof of my efforts. 

The attached letter from the Sheriff 's Office confirms, I stopped the sale of XX/XX/XXXX and not PennyMac or it's legal representatives Therefore, PennyMac is still engaging in the prohibited practice of dual tracking and never properly reviewed my mortgage assistance application, which was sent to them on two separate occasions and prior to the 37 days prior to the scheduled foreclosure sale of XX/XX/XXXX, and new foreclosure sale date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: ALLY FINANCIAL INC.
State: DC
Product: Credit reporting 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:
ON THE FOLLOWING DATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MULTIPLE INSTITUIONS AND COMPANIES HAVE INQUIRED INTO MY CREDIT FILE REPEATLY WITHOUT MY EXPRESSED PERMISSION I HAVE NOT GIVEN ANY OF THESE FINANCIAL COMPANIES WRITTEN AUTHORIZATION OR PERMISSION TO INQUIRE INTO MY FILE .THESE INQUIRES ARE THE RESUALT OF FRAUD AND ID THEFT PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC SECTION 602 THIS IS A CLAER VIOLATION MY RIGHTS AND THIS COMPANY HAS NOT CORRECTED THESE. ERRORS

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 2022-09-07
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the XXXX XXXX XXXX  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, CB/VICSCRT failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CB/VICSCRT Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CB/VICSCRT Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-09-08
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan is a spousal consolidation loan. I worked in XXXX XXXX for exactly 10 years before retiring. Under the current Biden Student Loan Waiver, I am able to apply for PSLF even though I am retired. I actually applied before I retired to ensure my payment count was correct. It was incorrect but I wrote to them and asked them to relook at the payments and they found 118 of 120 needed to qualify for forgiveness. 

Fed Loans said that I was in forbearance for 2 months and I checked my records and have all the paper work that shows that the reason for the forbearance was a DELAY in them calculating my Income Based Repayment so they suggested/co-oerced me into accepting a month of forbearance, knowing full well this would affect future payments from counting for PSLF. 

So I completed the paperwork for forbearance for those two non-consecutive months ( XX/XX/XXXX & XX/XX/XXXX ) and the ONLY reason I had a forbearance was because of THEIR delay in recertifying my Income Based Repayment plan and them reaching out to me to encourage me to file for forbearance while they recalculated my payment. I resumed payments immediately upon recertification both times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I have contacted Freedom Mortage several times in an attempt for a repayment plan from a Covid forbearance, when I lost my job due to the closures. They offered this forbearance plan so easily with only a few clicks and no real application. I since have started work again and have more than enough to do a repayment plan for 6 or 12 months, which they say the offer. I have applied several times and they never call back and just keep sending new packets. When I ask for a call back from a manager they say the notes said they did call me back. I have no missed calls from them and no messages on my online account or on my phone. It seems like they are purposely not trying to work with me because I can afford to pay it back. The application is ridiculously long and difficult and they keep saying to do it all again. I even had a manger tell me I was approved and then never would call me back and no one can find that anywhere now. They only want to talk about foreclosure options or refinancing with them. They also blame the VA and their rules that are the issue. When I called the VA representative he stated that is not true that they do not even have a time frame for a repayment plan that according to their loan rules I could take as long as I needed as long as once I started the repayment plan it was forward progress. That there would not be a reason for refinancing unless I defaulted, after the agreed on repayment plan. I am at a loss and do not know what to do I am a XXXX XXXX XXXXXXXX veteran and dont want to lose my house or my 2.25 % APR. Please help!

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 2019-07-02
Company: Experian Information Solutions Inc.
State: NV
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:
There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked XXXX   where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts.

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 2023-12-13
Company: EQUIFAX, INC.
State: SC
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:
Spoke to a special handling team about these accounts because they are fraud. XXXX have received documents from the creditors and refuse to delete these accounts. I have called numerous times about these accounts this is my second complaint because XXXX have the documents from the creditors with results of their investigation that i mailed and signature and i sent documents from the last COMPLANT.

Company response to consumer: In progress
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: GA
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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: In progress
Consumer complaint received 2021-02-01
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS ACCOUNT WAS OPENED FRAUDULENTLY AND I REQUEST IT TO BE REMOVE AND DELETE FROM MY CREDIT REPORT. 
I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: Zions Debt Holdings
State: IN
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 below with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 609 of the Fair Credit Reporting Act ( FCRA ) a federal law that protects consumers from unfair credit and collection practices I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Zions Debt 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 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 believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: OH
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: Other problem getting your report or credit score

Complaint:
I have a free Experian ID account because of a breach several years ago when my financial information was stolen. I am supposed to be able to access my score a rundown of attempts to access my accounts as well as lock/freeze and unlock? unfreeze my credit. 
My problem is it takes several hours of phone calls to be able to login this has been an ongoing problem since the breach. I know longer remember the date of the breach but it has been several years. 
I tried reaching my Account on XXXX XXXX and again today XXXX XXXX at approximately XXXXXXXX XXXX it is now XXXXXXXX XXXX I just ended the call to Experian and and decided the CFPB may need to get involved. I am pretty sure I'm not the only one with this problem. 
Id theft has no consequences for the Company 's credit bureaus and others who aggregate our personal and financial information. his has to change. 
The reason i wanted to check my report is I was notified of another breech we were involved in. 
Contact numbers for these Credit bureaus are buried so you have to jump through hoops to find them, when you do find them you have to jump through more hoops to get to a Human and generally they are from overseas and their language skills are extremely limited. 
Thanks for listening please help. 

XXXX XXXX XXXX XXXX, Oh XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I activated the XXXX XXXX XXXX XXXX XXXX cash back bonus deal on XXXX  and purchased {$90.00} in merchandise from XXXX that posted XXXX However, my account shows that it was not earned.

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 2021-08-15
Company: ERC
State: AL
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 further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 



P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-11-08
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 status incorrect

Complaint:
In XX/XX/XXXX I rec 'd a forgiveness letter and a XXXX balance of account, as well. 

When I called in XXXX XXXX  to follow up on those letters, I was told by the Customer Service XXXX, the credit reporting agencies will be notified within 60 days from that forgiveness letter dated XXXX XXXX XXXX 

As of today, Experian, XXXX and XXXX still have open status for XXXX and a balance owe {$6900.00}. 

I contacted the reporting agency 's, they say that they confirmed information with XXXX but change nothing on my credit report. I gave them the forgiveness letter and the XXXX balance letter and didn't change my balance to zero or change the account to close. 

However, Experian did provide me with the information to contact your office for help. 

If your system allows, I send you all documents to proof. I will be send you front and back for the forgiveness letter dated XXXX, XXXX Balance Account from XXXX ; dated XX/XX/XXXX and additional document dated XX/XX/XXXX directly from my know open, XXXX account website to show a they have my account listed as PAST DUE AMOUNT XXXX. 

XXXX was already paid from XXXX XXXX, this is reason why I rec 'd the letter from the servicer in the first place. 

I will like this matter to be looked into asap.

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