BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021, I contacted PennyMac to initiate a loan refinance. Rate lock of {$100.00} was given to secure our rate for 60 days and initiate the loan on the same day of XX/XX/2021. Once documents were received from us and a loan was generated by underwriting, I was contacted on Friday XX/XX/2021 to set a close date as well as I received the proposed closing documents. The loan documents received were not the loan amount or amount to close that was discussed. After returning the call the following week, I was sent back to XXXX XXXX and he agreed that it was nothing that we discussed, so he guaranteed he would work on getting it revised to reflect our agreement better and he would be in touch. No further contact was received from the company for a few weeks so I emailed XXXX on XX/XX/2021 and had no reply for 1 week. I then called all of the contact numbers I had for him and when I finally got to talk to him, he stated that he had no answer but the loan was closed and it would require a second credit pull and rate lock to get the loan process restarted. With some conversation, he promised that he would as his supervisor to review the case and get it reopened so we can still close on the loan. 2 subsequent days of calling both XXXX and his supervisor XXXX XXXX, we had no new answers and they wouldn't take the calls. We received one email from XXXX stating there is still no answer and his supervisor will work on it. Since then, there has been no communication from their side and they will not answer or return emails or calls. XXXX XXXX 's number is listed as XXXX. XXXX XXXX 's number is listed as XXXX ext. XXXX. We did not receive any refund after the communication stopped and we have nothing to show for the entire process other than the credit pulls which should be then removed from our reports as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by someone named " XXXX XXXX '' using the email XXXX to communicate with me via email and using XXXX as their XXXX account email to sell me a XXXX XXXX XXXX. They had the breeder " XXXX XXXX '' from the company I applied to adopt a dog at XXXX XXXX XXXX contact me first because of XXXX regulations that if you can't take care of a dog to send it back to the breeder. They then asked me to sign a contract and send them {$500.00} via XXXX as a deposit for the puppy. I then sent them the money and haven't heard back since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing a dismissed bankruptcy that's on my credit reports since XX/XX/2020. I have disputed a 2nd time as well with all three bureaus on XX/XX/2020. I still have not received a response from them! This is unacceptable! Equifax, XXXX and XXXX  need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01
Company: BANKMOBILE TECHNOLOGIES, INC
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I transferred {$3000.00} from my account to my savings account at the XXXX XXXX XXXX XXXX. The bank claims to have sent the money but it has not shown up in my savings account. I tried to ask the customer service to look into it but they keep asking me to ask the destination bank that hasnt receive any funds from 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 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
To Whom This May Concern : This event occurred over XXXX years ago, through Bank of America. Unfortunately I was scammed and as a result my bank account closed and I have been unable to open another. At that age XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was applying for jobs and I received an interview and was offered a position with a company, in which the name I can not recall. It was supposed to be a remote job where They sent a check to my house that I needed to deposit in efforts to purchase a home computer system to complete my daily tasks. Unfortunately, I was naive and wasnt aware of this type of scam. When I deposited the check, my account was flagged and subsequently closed. The bank kept all of the money I had in the account, which amounted to more than the fraudulent check deposited, so I am uncertain as to why I have been unable to open another checking/savings account all of this time. I would greatly appreciate assistance in resolving this matter and restoring my ability to own a checking and savings account in my name. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/22 Spirit Elite card application applied for fraudulently through Bank of America. My credit file was locked Approx XX/XX/22 Another application for the same card was applied for from Bank of America previously. Spent hours on the phone, had to confirm my identity at a local branch to stop the application. They opened it anyway. Called their fraud department a 2nd time and they shut it down

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 2022-09-15
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX, I wrote to each of the bureaus and asked them either verify the personal information being reported or delete it. I have a generational name and do not want my reports mixed or merged with a family member with a similar name. These inaccuracies are preventing me from receiving credit approvals.

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 2023-09-25
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have a pre-paid Vanilla visa gift card, and noticed a fraudulent charge in the amount of {$130.00} ( transaction posted on XX/XX/2023, per attached screenshot ). I reported the charge to Vanilla customer service team ( on XX/XX/2023, after noticing the charge ), at which point they requested my full name, date of birth and address ( all of which I provided, but dont know why they would need this, as my personal info is not linked to the gift card ; a relative purchased the card for me as a gift ). Thereafter, the Vanilla representative requested that I email scanned copies of my gift card, my drivers license ( which I am uncomfortable to provide as this is personal info ) and a purchase receipt for the gift card ( which I can not obtain unless I jump through hoops, to ask my relative who purchased the card to go back to the merchant to obtain the receipt ). Ultimately, I simply would like these funds refunded back to the card in a simple and expedited manner, and Vanilla dispute process is far from simple and with invasive requests for personal information. Any assistance you can provide is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Navient Solutions, LLC.
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:
I am very concerned and alarmed NAVIENT accounts show up more than 22 times on my consumer report and is inaccurate and are not validated. I have tried several times to contact NAVIENT in which they always respond they will correct and remove this but never do.

I spoke several times with reps from NAVIENT ; explaining there are several accounts on my credit report from NAVIENT that are inaccurate and some accounts do NOT belong to me.

USC 6081 A under the exclusion section under the NUMBER B- anything that was extended or authorized from a credit card should be excluded from my consumer report that includes anything attached to my social security which falls under any " card '', plate, or coupon book existing for the purposes of obtaining money, property or services on credit.

That is not limited to any physical credit card with retailers or corps which includes these inaccurate student school loans.

In addition under the Fair Credit reporting act 15 USC 1681A under exclusions section B where it is specified any extensions of credit or authorization form of a credit card or similar device. Under truth and lending 15 USC 1602- any card, plate, or coupon book or other device existing for the purpose of obtaining money, property, or labor or services on a credit I want all NAVIENT accounts removed from all credit reports civilly liable for reporting this information and its inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 TransUnion credit score has dropped by XXXX points, while my other XXXX scores have either remained the same, or actually gone up. XXXX out of XXXX of my credit scores are over XXXX, and my TransUnion score was also over XXXX until it dropped by XXXX points out of nowhere. I have reached out to multiple attorneys now in addition to TransUnion, and I am told that absolutely nobody has ever seen or heard of someone having this happen to them. I want to be crystal clear here so that my problem is understood immediately. Most consumers in a similar position are facing a situation where something inaccurate negative has been reported on their credit report, and made their credit score drop. This is NOT what is happening to me. I have called TransUnion 4 times now, and I have also spoken with a supervisor, and absolutely every single one of these TransUnion employees have stated and verified the same thing for me. There have been absolutely NO changes in my credit history. Not a single new negative or derogatory remark has been added to my credit report. In the last 90 days, not a single negative change has been reported to TransUnion by ANYONE regarding my account or credit history. I do not have a single missed or late payment, and 100 % of my accounts are in good standing with a credit utilization rate of less than 10 %. My credit score has dropped for absolutely NO reason. Not a single person at TransUnion can tell me why my score dropped, they can only tell me that it has in fact dropped, and that there is absolutely nothing they can do about it. THIS MUST BE FIXED IMMEDIATELY. There is no fraud for me to dispute, and there are no inaccuracies for me to challenge on my report. My score has simply dropped XXXX points for absolutely NO REASON.

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 2021-07-31
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in an envelope sent to all three credit bureaus ( XXXX, Equifax, and XXXX ), this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. The account was also deleted from my XXXX  report as well so in order to correct the inconsistencies between the XXXX, Equifax, and XXXX  credit reports, the account needs to be deleted from the XXXX  and XXXX  credit reports immediately. 
The information for this account listed on my credit report is : CREDITOR : XXXX XXXX ( XXXX  ) and XXXX XXXX-FINANCE ( Equifax ) XXXX, BALANCE {$0.00}, OPENED XX/XX/2012, ACCOUNT XXXX ( XXXX  ) / ACCOUNT XXXX ( Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX 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 2021-08-01
Company: EQUIFAX, INC.
State: MD
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 disputed to all three credit bureaus against XXXX XXXX open balance of {$65.00} in XXXX. XXXX XXXX XX/XX/2021 XXXX immediately removed outstanding amount from Credit Report however Equifax and XXXX  came back that the amount was valid. I proceeded to submit ( XX/XX/2021 ) the dispute report from XXXX  and Equifax is currently researching for over 30 days and XXXX  came back that the amount was valid. I attempted to resubmit a dispute to XXXX  and I was not allowed as it was determined that the matter was closed. I then waited a few days and submitted another dispute with the XXXX XXXX report and a copy of the money order ( XX/XX/2021 ). Immediately I received an email that the dispute was valid. I proceeded to call XXXX  where I was repeatedly asked what new information did I have available. I asked the representative what additional information would be needed than proof that another credit bureau found the information needed to be removed without any documentation. However I also submitted a copy of the money order. After being asked multiple times if I had additional information the representative stated they were able to see the documentation I originally submitted and hopefully the reviewers would see it and remove XXXX XXXX from my report. However I receive multiple emails from XXXX  that the matter is being investigated and Equifax states it is still under investigation. There is no reason that this issue should have taken multiple submissions over 2 months. It should be resolved and the items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle for a 2020, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that some one has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$850.00} DEPTEDXXXX    XXXX {$10000.00} XXXX/XXXX  XXXX {$4200.00} DEPTEDXXXX  XXXX {$4000.00} XXXX   XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$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