BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My current Mortgage Servicer, PennyMac, escrows my taxes and insurance. I noticed on my county tax assessors website that there was an outstanding bill in XXXX of this year. I called into the Customer Service line and was told that all taxes due would be paid by PennyMac from my escrow account in XXXX of 2021. I checked to make sure that my taxes were paid in XXXX and noticed that they had not paid the bill from XXXX and had only paid the taxes a new, more recent bill. They had skipped over the original tax assessment. I then called the county tax assessor for clarification and was told by them the the bill was overdue and collecting late fees/interest and that the mortgage servicer should have paid the bill when it was due. 

I then called back into the Customer Service team at PennyMac and was told that while they do escrow for taxes, that they don't verify that my taxes have been paid and said they are not responsible for paying the taxes since my home was a " New Construction '' home. 

I have now incurred more late fees/interest but PennyMac has finally disbursed the overdue taxes from my escrow account. However, they took out additional funds to pay the late fees/interest even though it was PennyMac 's error for not paying the taxes on time. I'm asking that they pay the fees and interest and place those funds back into my escrow account. 

Also, they have gone back and forth on this issue. When I brought up that there was a tax bill, I was told by Customer Service that they would pay the bill. Then in XXXX they did not pay the taxes and was told that it was my responsibility as a homeowner. Now, they have recently disbursed funds from my escrow account to pay those taxes. If it wasn't there responsibility to pay then why did they finally pay the taxes after I filed a complaint? 

I have attached PennyMac 's response about paying taxes on " New Construction '' homes. With the amount of new home sales in the past year, I would imagine I'm not the only customer that has had issues with taxes not being paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: LA
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX : {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.

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 2021-09-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I reviewed a copy of my current credit report and show a complete or inaccurate information listed. The creditor XXXX Account # XXXX Credit reporting history is listing inaccurate late payment for this account on XX/XX/XXXX.I have never missed a payment to this account. Please update to show credit report that account payment history was never late and remove late payments to account. Also I attempted on a number of occasions to reach out to have late payments deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have an XXXX credit card from Barclays Bank. Around the second half of XXXX, I found an error in my statement and immediately called XXXX XXXX credit card customer service department and explained my concern about an unauthorized purchase at restaurant. I even spoke to the supervisor, at least the clerk told me about it. 
My old credit card has been canceled and replaced with a new one. About a week ago ( XX/XX/19 ) someone contacted me from the security department of the bank and told me that I would return {$16.00} for someone's purchase ( unauthorized purchase ). I tried to explain the situation again, even asking the clerk to allow me to talk to his supervisor ( again, as before, a couple of months ago ). The contact person only told me that the manager would call me within 48 hours. However, no one called me back. What is wrong with this bank - once issued a credit, in a couple of months it requires a money back!

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 monetary relief
Consumer complaint received 2023-05-16
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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report again, I discovered that some of the information was still erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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

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 2022-02-16
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2023-03-21
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Notice to Agent is Notice to Principal.

Notice to Principal is Notice to Agent.

Silence is acquiescence. Acquiescence is estoppel. 

Re : Unauthorized Transactions [ Account Number : XXXX ] Ref : ( Claim No : XXXX ) On XX/XX/2023 I notified TRUIST of several unauthorized transactions that appeared on my account which caused several overdraft fees to be charged to my account. TRUIST has charged several fraudulent and invalidated overdraft fees to my account. First, on XX/XX/2023 I was incorrectly charged an overdraft fee of {$36.00} for a {$50.00} XXXX XXXX* transaction which brought my account balance to - {$12.00} when my account balance was actually {$73.00} on XX/XX/2023 which means my account balance should have been {$23.00} after the {$50.00} XXXX XXXX* transaction and an overdraft fee should not have been charged to my account. On XX/XX/2023 my account was charged another {$36.00} overdraft fee for an unauthorized transaction of {$37.00} from XXXX XXXX XXXX On XX/XX/2023 my account was charged two ( 2 ) overdraft fees of {$36.00} each for one ( 1 ) unauthorized transaction of {$21.00} from XXXX XXXX XXXX On XX/XX/2023 my account was charged another overdraft fee of {$36.00} for an unauthorized transaction of {$10.00} from XXXX XXXX XXXX Around XX/XX/2023, I reached out to the merchants to inform them of the unauthorized transactions charged to my account and requested a refund. On XX/XX/2023 I received a refund to my account for the unauthorized transaction from XXXX XXXX for {$21.00} and I haven't heard anything back yet from the other 2 merchants. TRUIST has refused to refund me the two ( 2 ) overdraft fees caused by this unauthorized transaction on XX/XX/2023 from XXXX XXXX  XXXX I received notice from TRUIST on XX/XX/2023 stating they would not refund my account for the unauthorized transactions and the erroneous overdraft fees that were charged to my account. TRUIST has breached their fiduciary responsibility with the servicing of my account and has extorted funds from me for erroneous overdraft fees and unauthorized transactions which is a violation of my rights under The Color Of Law and a violation of the Electronic Funds Transfer Act 15 U.S.C. 1693.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: GA
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:
According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : 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  Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13
Company: ProCollect, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 I filed a report with my local police department stating that I have been a victim of Identity theft and that my credit report reflects I owe {$7600.00} to Procollect, a collection agency collecting on behalf of XXXX XXXX XXXX, which I believe is in XXXX XXXX, TX. I have been working with the company Cyberscout which is assisting me with fraudulent accounts appearing on my credit report. I contacted Procollect to inform them that this account is the result of identity theft and I was told to email Mr. XXXX at XXXX. In the meantime, I received a letter dated XX/XX/2020 at my XXXX  XXXX address ( when I called Procollect the agent wanted my address ) from Procollect attempting to collect. On XXXX XXXX my Cyberscout representative, XXXX sent Procollect an email sating I have been a victim of identity theft and included a copy of my drivers license, XXXX XXXX XXXX police report, an FTC document that contains multiple fraudulent accounts. A week and a half later I received another letter from Procollect, dated XXXX XXXX, stating that their client contends that this is a true and valid debt. Included was a photocopy of a temporary permit and on the permit is an image of what appears to be an XXXX XXXX  man ( Im XXXX  ). I relayed this information to my XXXX  representative, but XXXX, a senior fraud specialist, is now assisting me and advised I that I file a complaint with the Consumer Financial Protection Bureau. I have been dealing with Identity theft for about a year now and all of these fraudulent accounts are being opened in Texas. With that said, I have police 2 police reports, letters from this and other collection accounts, documents that show I live in XXXX XXXX, NV. This is the only collection on my credit report currently, and hopefully no more surface.

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 2019-10-29
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been paying for charges that i didnt performed on this card for almost a year. 
i want this report so i an escalate this to the next level. since i didnt performed this charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
First and foremost Ive recently been educating myself in financial literacy and have found out that more than 90 percent of my consumer report has been in violation for the past couple of years. I have made Many attempts to all 3 Agencies via certified mail last year XX/XX/2022 to get back control of my Consumer Report by informing them to Deleting incorrect addresses and informing said Agencies about inaccuracies on my consumer report made by the Persons/Financial institutions Furnishing the Data to these Consumer Reporting Agencies .

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021, XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per Experian credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account 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