BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
We had a prior loan with PennyMac with another home that we sold, so we decided to use them since we were familiar with them and had history. In the midst of the loan process I lost my job and so we were just using my husband 's income. He is collecting XXXX and money from rentals. We were asked to put more money down, which we did in an excess of $ XXXX to close. The new construction build was valued at around $ XXXX. In the beginning my husband offered to pay off the few small loans that he had and the loan officer asked him not to. As we move forward with the process, weeks later he told him he would have to pay off at closing. My husband wanted to pay off sooner so that it would not impact his debt to income ratio. The loan officer sent a text asking him to submit copy of his XXXX. He told him that he is not collecting XXXX and never had, just XXXX and the rental incomes from his properties. We were scheduled to close on XXXX to learn on XXXX that the Loan Originator/Officer, XXXX XXXX inputted that he had two XXXX one a XXXX. This is not what we told him. XXXX went ahead and submitted false information. We are not out of a home and close to $ XXXX that we paid to the builder. When we spoke with the loan officers manager on XXXX he told me there was nothing they could do. This is unacceptable, they rode us along all this time. We initiated the call to find out that this was the state we were in. The loan officer 's manager, XXXX XXXX said that he called me on XXXX. I have no missed calls or voice messages from him. I am very shocked with disbelief in the way our file was handled. The loan officer also told us to record that we were paying off our car although he knew we were not doing that. My husband told him, so you want us to lie and say we paid it off? We can't do that. All this took place on a recorded line. We want the money we paid to the builder and his manager made no indication that they were even considering paying us back. XXXX XXXX is the Manager and XXXX XXXX is the Loan Officer we were dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: DailyPay, Inc
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:
A charge was placed on my debit card that I did not authorize and had no physical way to do so, I have called my card issuer and expressed to them multiple times that the purchase was not made by me they continue to deny me of my request and withhold information about the transaction details and merchant details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA
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:
My daughters USAA checking account was hacked XX/XX/2019, unannounced to account owners. USAA bank allowed an unexplained 3rd party to over draft her account XXXX on the XXXX, where she had difficulty using her debit card. We have tried to understand this withdrawal when insufficient funds are available and who this 3rd party is attached to her account. Bank claims it is her account she has adamantly denied. I am her mother 2nd on the account. The bank has not addressed this complaint/ issue. We have called daily and are being transferred to and fro departments, hung up on, yelled at and told paperwork ect has been initiated to help us dispute our case. They have not followed through with anything they said. Deadlines have come and gone. No paperwork! Filed a police report and wrote the bank board members of our poor quality service. We have no recourse and have been treated unfairly/ untimely. It has been 3 weeks, calling daily getting transferred to different departments that can not or will not help us.Unlawful

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this 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 explanation
Consumer complaint received 2017-03-08
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
CFPB BE ADVISED THAT EXPERIAN SHOULD HAVE GOT A COPY OF THE POLICE REPORT THAT I SENT INTO THEM REGUARDING XXXX ACCOUNT XXXX I WILL ALSO BE SENDING YOU A COPY OF THAT USPS TRACKING NUMBER IS XXXX ALSO I WOULD lIKE TO ADD AS A IDENTY THEFT PER THE FCRA 611 I HAVE ASKED FOR THIS INFO AND EXPERIAN RUFUSED TO PROVIDE THE INFO THAT I HAVE REQUESTED FROM THEM ALSO XXXX HAVE NOT SENT ME ANY INFO THAT I HAVE BEEN ASKING FROM AS WELL

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 2023-04-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a credit balance of XXXX on my XXXX credit card. In XXXX they took the money ( see stmt ) and I have never received a check for it. I called in XXXX and was told they would immediately send a check for it. To this very day I have not received it. I want my XXXX cents. This is a matter of small theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: PNC Bank N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have put in my contact information to a group of attorneys that were going to consolidate my debt on my behalf. He failed to make payments to my bank in which the bank, then close my account. Without notice, I was going to wear of the account being close therefore I made a payment for {$3000.00} which I can add you to the card later on when the card was declined I called my phone and that's the informed me that they closed my account. I've been asked for my {$3000.00} back in which they sent me a check for only 2000 is now been over two months that I continue to call them and ask for the remaining {$1000.00} they keep telling you that she has the OK or they will mail it and I have yet to see any funds. I just called again this morning and apparently there is no record of the XXXX XXXX  being sent or any note in my account saying that they were going to send it now have escalated the case again and told me it would take at least a week before an investigator will be in contact with me. It is over two months and I am just asking for my XXXX XXXX back because they didn't inform me that my account was closed. I never would've put {$3000.00} down. How do I have known that they close it? I understand it is my fault for trusting that consolidators to do their job, but the moment that I fired the attorneys that were supposed to be consolidating and settling my dad on my behalf, I am mediately went and paid {$3000.00} on the account to try to Get back into good standing not realizing that I was too late and my account was already closed. I received {$2000.00} check at the end of XXXX, I have called over a dozen times on this, and I have record of everything as of this morning, I was informed that there is no indication of a check being sent out and they would escalate my case which is exactly what they did two months ago that allowed me to get my first {$2000.00} back. I don't know what else to do here, but I am extremely overwhelmed and this is an urgent matter now I absolutely need this money ASAP. In order to live. I have emphasize all of this to thanks for your addition and customer service could care less

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 received a letter today from XXXX XXXX XXXX saying I had signed up for a credit card and it wasn't approved. I never applied for this credit card. Now I have a hard inquiry on my credit card 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 explanation
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$2400.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently by my ex-wife. I did not give her permission to open this account nor did I authorize this account to be opened. The incorrect reporting of a collection/charge-off an account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

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 2023-11-01
Company: Resurgent Capital Services L.P.
State: OH
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 XXXX XXXX XXXX. 

LVNV Funding account ending XXXX LVNV Funding account ending XXXX XXXX has 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 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 explanation
Consumer complaint received 2022-12-27
Company: Shellpoint Partners, LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In early XX/XX/2022, my loan was transferred to NewRez LLC from XXXX XXXX XXXX. I only received notice of the transfer. No welcome letter from NewRez or goodbye letter from XXXX XXXX XXXX. My first letter from NewRez was my mortgage statement on XX/XX/2022. 

Unfortunately, I have been trying to resolve this and your customer service department has not performed well. In late XX/XX/2022 I paid XXXX XXXX XXXX {$1200.00} for an appraisal of my property for PMI removal. I had this request processed in XX/XX/2022 and at that point my account was in flight from XXXX to NewRez. I have called on several occasions trying to get this and other technical issues resolved since then with no progress. 

The timeline is as follows : XX/XX/2022 : XXXX XXXX XXXX XXXX {$1200.00} along with {$9100.00} to principal balance to achieve target XXXX. 
XX/XX/2022 : Partial release approved and PMI removal in-progress after XXXX payoff XXXX 
XX/XX/2022 : Transferred to NewRez XX/XX/2022 : Calls customer service for update on PMI and also technical issues ( unable to login to portal or app ). Tickets logged as action from this call. 
XX/XX/2022 : Calls customer service again as I had not received any update to the PMI request or the technical issue. Additional tickets and internal complaint logged from this call. Had to send in the appraisal as customer service couldn't find the original appraisal from XXXX ( attached ). 
XX/XX/2022 : Received call regarding PMI. I explained the case with XXXX and she informed me she will continue to investigate the issue. 
XX/XX/2022 : Received direct message that I have to resubmit a request for PMI removal with another appraisal, which was already completed in XXXX ( attached ). Newrez 's letter states it is an additional minimum {$400.00} charge to redo work that was already ordered. 
XX/XX/2022 : Called customer service again to escalate PMI removal issue and was provided executive email contact information for escalation. 

To resolve the problem, I am requesting your help in getting PMI insurance removed from my account as I already went through all steps needed with XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

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 2022-04-29
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX/ {$0.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/19 I received 2 emails from PayPal stating there were transactions on my account to a person named : XXXX XXXX email : XXXX. Two transactions for XXXX and XXXX CAD. I called and filed a dispute on the transactions to cancel them and stop them from going through. Within 8 hours I received emails from PayPal stating that the claims were denied as they found the transactions to be " not unauthorized '' allowing the transactions to continue, making me have to file fraudulent charges on the transactions with my bank. I also received an email from PayPal while I was making the complaints on the transactions that there seemed to be suspicious activity on my account. Yet the transactions were still allowed to continue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
on XXXX | sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person

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 2023-06-17
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was scammed out of all of the money in my banking account through cash app on XX/XX/2023. All of the money I had was supposedly sent to one of my contacts. This contact immediately let Cash app know this was a scam. 14 days later they sent a decline letter to my contact. She was trying to get them to return my money to me. She received a call from the scammer the same day ( the XXXX ) trying to convincer her to transfer the money. She hung up on them .The money immediately disappeared from her account as soon as she let cash app know that she thought it was a scam. I filed a complaint with cash app the next day by phone. I was told I would be notified by email in 10 days. I calld after 10 days. I was then told they had to transfer it to another level because of the amount of money.I did not here anything.I called and was hung upon twice after being put on hold. The third time the person told me. the claim had been denied on the XXXX of XXXX, When I asked how this could be. It happened on the XXXX. They hung up on me. My bank has charged me for several checks insufficient funds.I believe cash app has my money. It was all the money I had. I am a XXXX XXXX XXXX social security recipient. I can not make this money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is reporting XXXX inaccurate items on my credit report and has refused to resolve the issues. 
First is a bankruptcy report that should have been removed 2 years ago when both XXXX and XXXX removed the reported information from my credit reports as the reporting requirment for this item had passed and no longer should appear on a credit report. 
Second Equifax is reporting a collection report that is not mine I am currently a XXXX XXXX member in good standing and do not have any collections against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: ENCORE CAPITAL GROUP INC.
State: WV
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was called on my personal cell phone asking if I was someones wife, I said yes. This man from Midland Credit Management out of California starts telling me details about everything on my husbands past due account, and requesting payment from me to settle his debt, and asked me specifics about why my husband could not pay his debt.He goes on and on about how he sees there was a specific payment and the amount a previous month, but the payments were faulty after then. After I got home I asked my husband if he received a call or if they had permission to speak with me and he said that he never once gave them permission nor did he receive a call to ask for permission to discuss his account with anyone. I was surprised and a little taken aback because there is privacy that everyone is entitled to and he certainly did not receive it from that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2022-04-29
Company: Affirm Holdings, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've contact affirm about a debt that not mind i ask for documentation that was never provided and they keep trying to get information to from me to update to there file cause they don't have none but reporting it on my credit report.

Company response to consumer: Closed with explanation