BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Pennymac bought my mortgage.

I sent first payment by mail on XX/XX/2021. 

They claim they never received. I called several times in the month to see if they received. 

XXXX  payment which arrived in Pennymac processing center on XX/XX/2021 confirmed by Pennymac customer service. They said would be processed that day/evening after hours. Said I could call back Saturday morning XX/XX/2021 and confirm. Said payment would be counted as received because XXXX confirmed receipt. 

Saturday XX/XX/2021 they stated that they couldn't confirm receipt because its the weekend and they can't contact the cashier department. This is not what customer service agent XXXX said on XX/XX/2021. She said they'd be open. 

I can not as of yet confirm that payment was received. XXXX in their XXXX Tx office says there's a '60 day grace period for new customers '. I dont need that because I'm TRYING to pay them. This is a scam. They want electronic payment and a late fee. I need CFPB help to make sure my payments are received and that I am not charged late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
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:
These account is reporting have different dates under date of last payment or showing a past due balance on a closed and open account. Stop reporting this due to FCRA noncompliance of an accurate data being furnished on my consumer reports. These also states it was in XXXX and XXXX when this was opened and closes this is over 7 years ago. To old to be showing on my credit report and should be removed from all credit reporting bureaus already

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 2022-12-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft and I did not make the charge. I am trying to get a new card and these items reported wont get me approved. I am asking the items be deleted to correct my report. I have reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Tade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
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:
Paypal closed my acount for no reason and will not help me with getting it back up. 
I am not sure if this is some mistake or what really happens Im very poor and this money I received ( XXXX ) will help me a lot and I really Can not wait XXXX  days to get my money cause I just need this money now, to get some food and to live as decent possible. 
I think they are not doing his job properly doing this with a familly mother My e-mail linked in Paypal is XXXX Please help me to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted several request for debt validation from Portfolio Recovery Associates and have still not received it over the past year. Most recently on XX/XX/XXXX the above company received a certified letter from me requesting debt validation. On XX/XX/XXXX they responded with 2 letters, one requested that I provide them with additional information so they could " complete the investigation of the alleged dispute. '' The second letter stated that the debt was sold to PRA and that an " electronic file '' was provided to PRA at time of sale. I have yet to receive any validation from the company including a signed statement that states that I'm responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Transunion and equifax are reporting tax liens, judgements, and public records on my account,. They are not doing proper Investigation because they are paid by the creditor to report items that are not supposed to be in there. Everytime I try to dispute with the credit bureaus the representatives are always nast, and rude., my only option is to report it to the consumer financial protection bureau so they can enforce the rules, regulations, an laws to these bureaus so that they can stop purposely trying to block the consumer from mortgages, loans, and credit the consumer deserves, the credit bureaus are reporting XXXX XXXX and XXXX XXXX XXXX XXXX liens, they are violating the FCRA by reporting tax lien, judgements a, and public records,. They still put a judgement on my credit report by XXXX XXXX XXXX XXXX which keeps disguising an eviction judgement as a collection loan,. I have attached the judgement case number and court te judgement was filed, hopefully this time the consumer financial protection bureau can enforce the credit bureaus to remove this judgement, and XXXX tax liens totaling {$34.00}, XXXX. these liens need to be removed. Also equifax keeps reporting closed accounts negatively, and keeping negative items on my credit report more than XXXX yrs, and reporting positive accounts negatively, they also have an old child support account on my credit they will not remove even after XXXX yrs of credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Mixed file. My credit report is showing mixed with my brothers credit report. It is making huge impact on both of our credits. Can not purchase a home or get an auto due to this reason. Extremely frustrating. Transunion has done nothing to fix the issue.

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 2018-12-07
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:
Disputed account with Equifax on XX/XX/2018 asking for method of verification. Previously account was noted as verified by Equifax. I contacted original creditor, XXXX on XX/XX/2018 regarding verification of account requesting original signed documentation. Response letter just restating what is on report - XXXX did not send proof of verification. Original creditor unable to provide adequate verification. 
-Equifax has not conducted 'reasonable ' investigation. 'Parroting ' original creditor.

-Equifax reporting inaccurate information to credit report. As noted, Equifax reporting payment activity beyond date of last payment.

It is believed that Equifax is in violation of FCRA regulations.

It is believed that original creditor may be in violation of FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX and I kindly request that you address it promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've never paid attention to my credit, and recently I signed up for a credit monitoring site and noticed my information has been comprised. I never used my credit before but now. I want to start utilizing my credit. so please remove this incorrect information from my report. I have no knowledge of these accounts nor have I tried to open these accounts. I have disputed this account information as inaccurate with them, and they have failed to respond to me, and its been over 60 days 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 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 XXXXXXXX Subject has not satisfied debt. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Subject has not satisfied debt.

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 2020-02-10
Company: EQUIFAX, 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:
Disputed with Equifax several times and they will not remove the ch XXXX bankruptcy that was filed fraudulently docket # XXXX Attorney XXXX XXXX XXXX filing date of XXXX and dismiss date XXXX. I have sent the documents several times and the investigation does nothing. 
I would appreciate immediate help I can get on this matter as it has caused a lot of anguish and stress for my husband and me. 
The address is also wrong on the bankruptcy filing it is not on any credit reports. This should be enough for the removal but unfortunately they did not resolve and remove this. 

I'm also attaching the actual court documents from XX/XX/2019. This public record is complete fraud and totally out of compliance with the FCRA.

MY Social Security XXXX Birth Date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: CA
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 a right to privacy.

15 U.S.C 1681c Section 604 ( a ) ( 2 ) States that a consumer reporting agency can not furnish a account without written consent of the consumer. ( Me )!

15 U.S.C 1681s-2 Section ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is innacurate. 

XXXX ; XXXX XXXX XXXX. {$390.00} XXXX XXXX. {$0.00} XXXX XXXX XXXXXXXX. {$370.00} XXXX XXXX. XXXX. {$130.00} XXXX XXXX. XXXX. {$260.00} EQUIFAX XXXX XXXX XXXX XXXXXXXX. {$390.00} XXXX. XXXX. {$260.00} XXXX XXXX XXXX. {$130.00} XXXX XXXX XXXX. XXXX. {$260.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXXXXXX. {$0.00} ALL THREE CREDIT REPORTING AGENCIES REFUSED TO SEND ME A FREE COPY OF MY CREDIT REPORT UNLESS I AGREED TO THERE TERMS OF SERVICE AND PAID FOR THERE PREMIUM SERVICE ONLINE ON XX/XX/2023 I HAVE NOT GIVEN ANY WRITTEN CONCENT NOR VERBAL CONCENT FOR ANY AGENCY TO REPORT ON ANY OF THESE NEGATIVE ITEMS. THERE ARE ALSO NEGATIVE ITEMS WITHIN THE LIST PROVIDED HERE THAT I HAVE NO KNOWLEDGE OF. 
I AM ASKING THAT ALL THE ITEMS BE REMOVED IMMEDIATELY. THEY HAVE PRETTY MUCH RUINED MY LIFE. COMPLETELY RUINED MY LIFE! THANK YOU!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There Is an account being reported by the Creditor in Which I Did not open or authorize to be opened. I Have reported this several times to the creditor in hopes that they would Investigate and remove this account from my report.

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There Is an account being reported by the Creditor in Which I Did not open or authorize to be opened. I Have reported this several times to the creditor in hopes that they would Investigate and remove this account from my report.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: NE
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:
The issue is causing me significant distress and XXXX  to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-10-22
Company: EQUIFAX, INC.
State: CO
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Equifax lies about account verification. Their support individuals on the phone admitted they have no proof that an account should be on my credit report. All they do is get an electronic feed that has my name and social number from a company, but no documentation of proof - no signed documents, no photo validation, no correct phone or email address, and no legal agreements. So this account is due to fraud, I have proved that, and Equifax has no information that shows otherwise, yet they continue to leave this fraudulent account on my report, a direct violation of FCRA. 

Equifax needs to remove the XXXX account from my credit report. I have contact both the issuing bank Deserve, and the named website company XXXX. They admit that this account isn't mine with the incorrect name, email, address, and phone number. They said they are receiving no verification request from Equifax. This is a clear violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Today on XX/XX/XXXX, I received my paycheck via direct deposit of XXXX. I only received XXXX. Then when I checked again I only had XXXX. I had pending transactions that were covered by a {$50.00} money order that I put in my account on XX/XX/2023. The money order cleared the next day on XX/XX/2023. This morning I went to XXXX and paid {$19.00} because I had $ XXXX in the bank and knew that I would have a tiny overdraft and that my paycheck would come in after XXXX today. So when I checked my account earlier it said that I was overdrawn by {$13.00} something and there were no pending transaction listed because everything was already cleared not pending. There were pending transactions of {$62.00} dollars. {$50.00} of that was already cleared and covered by the {$50.00} money order. The remaining balance should have been {$13.00} something and that is all. So I should of had {$1300.00} deposited into my bank not {$1200.00}. XXXX took {$53.00} dollars out but that is correct. Someone miscalculated my direct deposit and is acting like I never had the {$50.00} dollar money order in the bank at all. That is where my missing {$50.00} dollars is and I need it back asap. I am a single mom of XXXX  and I need all of my money. I called Citizens customer service line and the lady on the phone was no help at all. She kept getting confused and she did not know why my account was missing {$50.00} dollars. Then she put me on hold and when I asked for a manager and never took me off hold. I just need my {$50.00} dollars back because my account was in good standing until this morning when I paid for breakfast for my mother who did not have any money and was very hungry but that would have been only - {$13.00} something in that is all. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-19
Company: Experian Information Solutions 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:
12 inquiries on my credit report that I did not authorized need to be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am refinancing my mortgage and needed a payoff quote. I clicked the payoff quote link accidentally 3 times. {$25.00} was charged to my balance each time. This is an auto generated document and costs nothing for the company to generate! It should be charged only one time!

I contacted customer service last week and they said they would request a refund but as of today ( 4-5 days later ) it still has not been refunded. The {$75.00} in fees is now coming due and I am worried they will report me late on my mortgage if I don't pay them!

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 2021-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
On XX/XX/XXXX, I called Kohls credit card Custer service to pay off a balance in full amount of {$230.00}. There was a late fee associated with this payment and I was told on a recorded line that this late fee of {$28.00} would be waived. This late fee was not waived and I received a letter in the mail in XXXX stating that this late fee was not payed when I was told this was waived. Kohls will not allow me to get a hold of this recording on XX/XX/XXXX with the customer service representative. My credit score dropped about 80 points because of this late fee of {$28.00} and I would like to dispute this and remove this from my credit report. Customer service at Kohl 's will not provide me any information on this recorded conversation nor did they perform a proper investigation on this dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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 Capital One, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the fair credit reporting act Capital One Auto Finance, 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 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 any purpose. 
15 USC 1681a : 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