BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I opened escrow with PennyMAC XX/XX/18 for a refinance loan on my home in California. Their loan department and underwriting team failed to deliver services in a timely manner. Escrow was suppose to close on XX/XX/18, but the loan XXXX dropped the ball on handling my documents. There locked rate expired on XX/XX/18. No one communicated with me whether the documents were submitted for an extension of the lock rate was submitted. The underwriting department complained I had a 6 month gap of employment because of a sabbatical I took to finish my XXXX XXXX. The communication between PennyMac loan department and consumers was horrible. No one returned calls that were made the week of XXXX XXXX. I ask to speak to a supervisor, but never received a call until XX/XX/18, a week later. XXXX the sales manger called me yesterday to go over the details of my loan. He was poorly prepared for the conversation and said I did not have enough income for the loan to be funded. I stated do yo have the right file, because I make over {$200000.00} a year and my debt to ration is only 29.5 %. I feel something is very wrong with how this loan was handled. No written communication was given to me and no resolution was made thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am writing to VEHEMENTLY REJECT YOUR DECISION to decline my identity theft claim. I question YOUR AUTHORITY AND LEGAL STANDING TO DETERMINE WHETHER I HAVE BEEN A VICTIM OF IDENTITY THEFT OR NOT. You lack the requisite expertise or jurisdiction to make such a claim on my behalf. Should you persist in denying my position, I want to make it ABUNDANTLY CLEAR THAT I AM PREPARED TO ENGAGE LEGAL COUNSEL to pursue a legal remedy. I insist that my identity theft claim be processed meticulously, in strict adherence to the letter of the law. XXXX XXXX, XXXX XXXX, XXXX XXXX. Please remove these accounts immediately.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 FCRA, XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXXhave violated my rights.

Law 15 USC 1681 section 602 A. States I have the right to privacy.

Law USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without written consent, which I have not given.

Law 15 USC 166b. Staes a creditor may not treat a payment on a credit card aaccount under an open en consumer credit card plan as late for any reason.

Law USC 6802 Obligations with respect to disclosures of personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: SANTANDER HOLDINGS USA, INC.
State: NY
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:
Accounts listed below must be removed ( CHRYSLER CAPITAL ) XX/XX/2022. 
XX/XX/2022. 
XX/XX/2022 COMPANY WAS NOTIFIED THIS WAS A FRAUDULENT ACTIVITY XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NAME : CHRYSLER CAPITAL ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NAME : CHRYSLER CAPITAL ACCOUNT NUMBER : XXXX This account as been notified as a fraudulent account that and opened falsely under my name. i have no supporting documents saying i owe this debt or account- NO SIGNED COPIES

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't recognize this accounts, never applied for it. I never sign any contracts or agreements with this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXXXXXX Date Opened : XX/XX/2019 XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2019-07-03
Company: Experian Information Solutions Inc.
State: TX
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:
Starting 2 years ago I started seeing a XXXX XXXX address on my list of addresses. I knew this was incorrect and tried to dispute it to no avail. I left it alone until I went to XXXX XXXX and looked up XXXX XXXX XXXX. Well lo and behold there is a XXXX XXXX XXXX ( which is my name as well ) living in XXXX XXXX, TX. 
So a few months down the road I am checking my credit report and it is claiming I have opened accounts that are not mine, and loans that are not mine. I went to dispute them but could not pass the identity questions because I don't have a car loan-she does- I don't have a retail credit card- she does so I was locked out. I finally called and spoke to someone at XXXX  and explained the problem and they said I would have to fax them a picture of my drivers license, social security card, and a bill. I did this. When they sent my results to me they sent it in an email and with the same identity questions, I ALWAYS FAIL.NOW, THEY WON'T SPEAK TO ME ON THE PHONE REGARDING THE ISSUE BECAUSE OF PROTECTING MY IDENTITY. IT HAS NOW SPREAD TO ALL 3 AGENCIES.

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 2023-09-07
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To CBE Group Inc. Date : XX/XX/2023 XXXX XXXX  XXXX XXXX IA. XXXX On XX/XX/2023, I requested Information from your company to which you were not able to provide within a thirty-day period. You attempted to circumvent my request by addressing your response to my wife, XXXX XXXX, when I alone XXXX XXXX, was the one who initially wrote the request. 

Your Collection company, verbally claimed to me, to have been given my IRS account by the IRS. By law, IRS selling or relinquishing my account to a collection agency releases their authority to collect funds form said client ( s ). The Collection agency ( CBE ) must provide any, and all legal information pertaining to the said clients account upon request. Your company failed to provide any valid information from your company in reference to the account in question. 

Anyone could find out who owes money to the IRS and claim to be an entity to collect said funds ( if they have the skill set to do so ) IRS data base has been breached before, so the publics information is not secure as it should be. 

IRS never provided me with a name of the any company as being a company authorized to collect said funds on their behalf or as the entity, they have sold the account to for collections. 

Note : I was making monthly installment payments to IRS through my XXXX XXXX account when IRS stopped receiving the payments. In my attempt to contact IRS via a personal interview there were no local interviews available in the XXXX area resulting in me having to drive three hours away from my home to XXXX XXXX, to have a face-to-face review of my account. I was set up to interview with an older lady that could not answer any questions, nor did she know how to access the information requested. I asked to see a supervisor because she could not answer any question. She stated there wasnt a supervisor on grounds and that I would have to reschedule. She was completely incompetent to working the position and could not help me to understand the reason for the charges incurred on the account. IRS makes it so difficult to contact them to get an understanding of accounts to the point that people cant get their questions answered. Yet the people are held to IRS statement regardless of IRS being right or the customer. IRS will delay the people on purpose while charging them for those delays which is so unfair. 

I am requesting the removal of all accounts baring my name and XXXX XXXX name from your accounts/ legers. I am also requesting no reporting to any credit reporting agency of this none- collectable account. 

I will also send a copy of this letter to the Federal Trade Commission, Consumer Financial Protection Bureau, and the State Attorney General Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: SC
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 sent a letter on XX/XX/2023 to Experian. Here is my tracking number ... ... ... .. XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate 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 informations. 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. 
I would like to know who did they talk to? 
How did they complete this investigation?

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 2022-11-03
Company: Ocwen Financial Corporation
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Please reference old complaint which was closed prematurely. That number was XXXX. 

Phh Mortagage continues to deliver reverse Mortgage payment 1 to 3 days late depending on the month and associated Holidays. I contactedthe Federal Reserve and they stated thatthere are XXXX windowsduring the day to transfer money thru them to associated banks for Reverse Mortgagepurposes. The first XXXX frames ensure the recipientsreceive their money on the first business day of the month per contract. The third window is too latein the day and causes recipientsto receive money 2 to 4 days late depending on the month and associated Holidays. 
If PHH would only send the moneyto the XXXX XXXXXXXX time slot earlier, I would receive the money that I pay interest on every day. 

Thanks For Any Help You Might Render XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bank of America credit card charge me very high interest every month in addition to my monthly payments {$400.00} to this credit they makes me broken. 
Every month the bank take {$230.00} as interest. My score was XXXX and now became XXXX because of this interest I can't continue paying this amount. 
So I need to fix this problem.

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 2023-09-07
Company: Zions Debt Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt collector didnt provide me with information about the debt, including the amount owed and to whom it was owed.I did not receive any written notification nor was I afforded the opportunity to request validation of the debt. All I received was a text message on XX/XX/29 notifying me that Zion Debt Holdings would report the debit to the credit bureaus if I didnt pay by XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX has been reporting 2 of my investment property mortgages delinquent for about 6 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From 760+ to XXXX currently.

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 2018-08-15
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2018 I sent notices to ALL 3 credit reporting agencies advise that I am a victim of identity theft. I request that a alert be please on my credit, fraudulent address and that all the account relates to my identity theft be removed from my credit report. I provide a police an affidavit and a list of fraudulent account with dates and details. I also sent this information to the creditor listed on my report. As of today only one account has been removed. I have exhausted all options at this point. This situation has already been tough enough, as a feel extremely victimized, but now to have to fight to have items that do not belong to me removed is a bit ridiculously. 
The credit reporting agency sent me back letter stating that the account are verified, Im constantly stressed to know someone has and currently is using my personal information. 

The accounts are listed on the attach police report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Experian Information Solutions Inc.
State: IN
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:
Experian, XXXX and XXXX all have been grossly negligent in handling my accounts with XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX. This situation is a big ball of confusion if you take a simple glance at the letters received from XXXX and XXXX. 
I have been damaged for years with this company on listed my consumer credit report, with the assistance of the consumer credit agencies. I have decided to take additional measures with this matter. I have asked for debt validation and most times XXXX XXXX XXXX would send me a copy of the negotiable instrument that I signed. In their reply they said they bought a defaulted loan. The credit agencies would continue to send their generic responses or nothing at all. UCC 3-603 is clear about the Tender of Payment and UCC 3-311 is clear about Accord and Satisfaction by use of instrument. I signed a negotiable instrument, if there is any problem, mail me the original note and application back. If not, I demand my account is updated, current, no missed payments and placed in a paid in full status. I have sent XXXX XXXX XXXX affidavits of fact that were not rebutted point for point, nor have they responded to any if my demands that they sign and swear that their statements are true under penalty of perjury. The most recent letter I received from XXXX XXXX dated XX/XX/2021, I was notifying me that they had sold, transferred or conveyed my account over to XXXX. In XX/XX/2021, I demanded that the CEO, Executive Director XXXX XXXX Validate the " alleged debt '' under penalty of perjury, instead his attorney, XXXX XXXX XXXX responded but still did not do as I demanded in my letter or affidavit. I also demanded in that letter that my information not be sold, transferred or conveyed to any other parties. 
I

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 2023-09-07
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Good afternoon. 
I have a mortgage loan with Freedom Mortgage and my loan number is : XXXX. I didn't have any escrow with my mortgage when I started my loan as I had over 30 % equity on my property. I always paid tax and insurance for my property. My monthly payment is {$1500.00} and I always paid my payment on time with automatic payment method with my bank. since XX/XX/2023, Freedom Mortgage started withdrawing {$1900.00}. I noticed that in XXXX and called the customer service and they said that they didn't receive my property insurance documents and that's why they added escrow in my account. I uploaded my insurance docs in their message center as they didn't receive my postal mail earlier. I requested them to refund my extra payments they already took and remove escrow from my account. They refused to refund my money and remove the escrow. instead, they kept me waiting for hours on the phone and kept transferring me to different agents. After back and forth with a lot of calls and messages they still refusing to solve the issue. now my XXXX payment is due and they still didn't fix the problem. They sent me a message saying my request to remove escrow has been denied. Later I read all the horrible customers reviews about the company and found that I am not the only victim of their illegal demand. They are still charging me escrow for insurance and I already have insurance for the property. 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 2023-04-05
Company: Experian Information Solutions Inc.
State: CT
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 they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Collection Account Account Number : 8568 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 2023-04-05
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: Their investigation did not fix an error on your report

Complaint:
I had reached XXXX XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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