BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in a COVID-related forbearance plan in 2020. I came out of that plan in XXXX and have been attempting to work with the company on a loan modification to bring my account current, but I do not get consistent or straightforward answers from representatives with the company. On the occasions I am able to get in touch with a representative, the answers I receive often dodge my actual questions and are frequently in direct conflict with answers I receive from other representatives. The few representatives whose direct extensions I do have, which would enable me to speak with one person familiar with my account, do not answer calls and do not return voicemail messages. The company has also refused to provide documents in a reliable way ( i.e. only sending via the post office, which has known issues at this time, and refusing to post the documents in duplicate electronically XXXX. This morning, when I attempted to make a regular monthly payment, my online account with the company stated that I was unable to do so and claims that my account is delinquent, which is untrue and in conflict with information I have received in the past. 

XXXX 's attempts to misinform, frustrate, and avoid me as I attempt to bring my account current are inappropriate at best and potentially unlawful at worst. I have tried to avoid submitting a complaint, but at this time I am forced to do so, as the company appears no longer willing to work with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23
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:
hey, I have been exposed to identity theft and have never had a contract or did any business with XXXX  or XXXX XXXX there is NO WAY THEY SHOULD HAVE MY INFORMATION! Someone gave them my information without my consent and now its on my consumer report and that is illegal.

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 2022-04-13
Company: GOLDMAN SACHS BANK USA
State: AZ
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:
XX/XX/XXXX I purchased an Apple XXXX for approximate {$1200.00}. Apple offered an " installment payment with no finance '' if paid off in 24 months if you put on a card, so payment would be {$51.00} a month. XX/XX/XXXX I noticed that my card was being charged interest and contacted Goldman & Sachs ( card company ) and advised of this. Apple representative called me back the next day and said their error they would credit all the finance charges and put phone on installment plan.. XX/XX/XXXX Apple Card ( Goldman & Sachs ) called me regarding my payment being behind, even though I had made a payment. Rep stated the payment was to be {$160.00}. I said What, why ... .They said well you owe for phone. I went through the installment that Apple advised and Apple NEVER applied the payments against the phone, they set up the installment plan 8 months later with the original amount. Supervisor at Goldman & Sachs saw the same thing and stated they were putting in a dispute and it could take up to 25 days to resolve. It has been past 25 days, still not resolved and they call every month stating I am past due. I tell the rep is there any notes... they go in and see the notes then say oh I am so sorry. Today when they called I said I am still waiting on resolution but at this point I am worried this is effecting my credit representative stated " Oh it absolutely is being reported that you are past due '' At that point I stated I was contacting CFPB and the Attorney 's General Office and wanted to speak with supervisor. Supervisor XXXX got on phone she also can see the error and is sending back a note regarding the false reporting to credit bureau but due to the amount of time that this has been going on I am worried this is not going to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX XXXXXXXX & XXXX is reporting me late on my credit report when in fact my credit cards were compromised in the months of XXXX, XX/XX/XXXX, and XXXX of XXXX. 
I contacted XXXX XXXXXXXX XXXX and explained what was happing to my accounts. The representative disputed the charges and informed me that I was not responsible for making any payments until my account issues were resolved. I was also informed that I would be notified when to resume my payments. I was never notified by XXXX XXXX when payments resume. Because my bank account was compromised as well when XXXX XXXX  resumed collecting payments it was from a bank account that was already closed which resulted in them reporting my accounts as late payments.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : 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 explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: PA
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:
UNTIL EQUIFAX CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE BOTH XXXX XXXX XXXX AND XXXX XXXX XXXX MY REQUEST TO RELEASE MY PERSONAL, PRIVATE, & NONPUBLIC MEDICAL INFORMATION TO YOU, EQUIFAX INFORMATION SERVICES, LLC I DEMAND EQUIFAX DELETE THE FOLLOWING ACCOUNTS! 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 
I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. 

Please send the above demanded information to my mailing address listed above. This letter is a demand for validation and I demand FULL DOCUMENTATION containing all the information you received from the service provider of this alleged debt. 

Continuing to report this Medical Debt without properly validating and providing me PROOF OF PERMISSION is a violation of the FCRA ( Fair Credit Reporting Act ) You have 30 days to respond or this debt will be considered invalid & removal of this debt will be furthermore required. 

Sincerely, XXXX : XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserve

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with US Bank on XX/XX/2018. I wasnt able to switch my payroll to the new bank account until the end of XX/XX/2018 ; however I had to get a check issued from my employer and have direct deposit scheduled into that new bank account from then on. I have been at this place of employment for 4 years. I deposited my check on XX/XX/2018. It showed I had the available funds on XX/XX/XXXX and XX/XX/XXXX. However when I looked at my account on XX/XX/XXXX, it did not show funds avaialable. I contacted US Bank on XX/XX/XXXX customer service and was directed to the fraud department. The fraud department had closed early so I contacted US Bank customer service again. They told me to contact the fraud department in the morning and to work with my local branch. I called the US Bank fraud department on XX/XX/XXXX at XXXX am XXXX time. They told me I needed to work with my local branch as they put the hold on it so that they could verify funds with the other bank. I went to my branch when it opened at XXXX am. The banker indicated that they did not put the hold on and that the fraud department did and there was nothing they could do. They contacted the fraud department and they said it was placed because it was different activity for my account. I had just opened this account and this was my first paycheck to be deposited. They refused to verify funds through the other bank. They said the hold would not be released until XX/XX/XXXX. The check will have already cleared the employers bank by then ; however US Bank refuses to release the funds sooner even if they have already received the funds. This seems excessive and an abuse of their ability. I have no negative claims on my account. I am not sure how they expect people to make deposits if they withhold the funds. The customer service was very unprofessional.

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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX XXXX XXXX XXXX was removed from my credit report an my credit drop XXXX point instead of moving up XXXX to false information was reported cause it to be removed from my credit instead TransUnion keep dropping my credit stop me from applying for credit loans for a mortgage loans I requested my XXXX should be added to my credit score stop it from dropin stop dropin my credit score for them false information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
HSBC has reported late payments on this account to my credit report WRONGFULLY, for 8 months in a row when I paid off the balance on the card every month! 
From XX/XX/XXXX till XX/XX/XXXX HSBC BANK reported lates to my credit report erroneously. I have paid off the balance in full every month, have bank statements to prove but HSBC misapplied these payments thus causing lates reported on my credit report .... I have no derogatory credit, ever! This is the only item damaging my credit history and credit worthiness and it is NOT correct. please help resolve this as HSBC is being ignored for a whole year that I wasn't able to reach resolution with them, going in circles from one representative to another with no luck on correcting this mistake of theirs ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I opened a SunTrust Advantage Checking Account. I was solicited to open this account thru the Mail with an enticement of a cash bonus for the opening of the account. ( enclosed a copy of their ad ) I went to a local branch and met XXXX XXXX, Personal Banker at the XXXX XXXX, Florida Branch. I made an opening deposit of {$27000.00} ( receipt enclosed ) which qualified Me for a {$500.00} bonus Payable within 90days after opening. I switched My Veterans XXXX payment ( copy of letter enclosed, also Bank statements showing deposits made ) to meet the Direct Deposit requirement, I got their Debit card and made 13 plus Transactions to fulfill the Debit card Purchase Requirement of 10within 60 days, and I maintained a Balance in excess of {$26000.00} to meet the Minimum Balance for over 90 days. I have fulfilled My end of this Contract and now I want my Money?

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 2020-09-24
Company: LEXISNEXIS
State: OH
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:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX DOB XXXX SS XXXX I would like to order a Full and Complete Copy of my XXXX XXXX, XXXX analyst Full report, and a full copy of my MIB report. I am having issues with unknown addresses and information that keeps reappearing on my file or incorrect information the is reoccurring that is reporting from various/different databases. I would like an up-to-date copy for my own personal review. This will allow me the opportunity to address any errors and make the needed adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: College Ave Student Loan Servicing, LLC
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have consolidated my federal educational loans through College Ave as of XX/XX/XXXX. While I am grateful for the opportunity to consolidate my loans, I am deeply concerned about the level of service being provided to borrowers during the global coronavirus pandemic. 

Three months of emergency forbearance ( while interest continues to accrue ) is simply inadequate and downright immoral. 

At the very least, College Ave should align to newly-mandated federal govt policy under the CARES Act : 1. All payments due through XX/XX/XXXX should be suspended immediately. 
2. No interest should be allowed to accrue on loans during that same period. 
3. No negative credit reporting on student loans during the same period. 

Why has College Ave chosen to not align with new federal guidelines on how borrowers should be supported during this time of crisis. With many borrowers facing the loss of employment/income, increased medical expenses, extremely ill if not recently-deceased family members ... how can College Ave in good conscience continue to fleece borrowers? 

My sincere hope is that College Ave revisits and revises its treatment of its borrowers during these unprecedented times. This is a moment in history when companies that care about their customers are set apart from the companies that show an utter disregard for consumers.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-02-13
Company: EQUIFAX, INC.
State: DC
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 Credit Reporting Agency Is Reporting Inaccurate And Fraudulent Information On My Consumer Report. I Called To Have These Fraudulent Hard Inquiries Taking Off My Consumers Report And Was Told They Could Not Remove Them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed a veterinary  balance on my XXXX account I couldn't pay in full on time. It was sold to MCM. After making multiple small one-time payments, I agreed to allow monthly payments from my bank account until paid in full. I paid down to XXXX, but a balance of {$130.00} still remained! Not only was my account not paid, but I added up all my payments to them and they OVERCHARGED ME {$81.00}! I immediately sent an email asking why the agreed upon amount did NOT settle my debt and to return the {$81.00} they took from me. I got a letter stating an investigation was initiated. FOUR MONTHS LATER I GOT A LETTER FROM DIVISION MANAGER, XXXX XXXX -- the account has been closed and I have no further obligation. That is great -- but where is my overpayment return??? I sent a letter to their customer support services in XXXX, MI and got no reply! Please help me demand they give my money back! I am XXXX with very limited income and I need every cent of {$81.00} they overcharged me and decided it is acceptable to keep! They deserve a much more severe punishment for their greediness!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My phone was stolen while unlocked 3 blocks from my home around XXXX, I ran home and tried to use find my XXXX  to locate my phone but was signed out of my device and all my emails. The hacker changed the passwords to all my email accounts. I had my friend call in a police report. The next day, I went to bank and learned the guy used all the money in my checking account. He made 1 ATM withdrawal and spent the rest of my money on XXXX. Not once did the bank ever flag and stop the transaction, despite the fact that all my debit card/account payments are usually scheduled payments to other banking institutions, utilities, or rent. I have never bought personal consumer goods on my debit card that was over {$100.00} in value. 
I filed a police report and fraud claim with Wells Fargo, but my claim came back late last week and was denied. They said it's because they think I colluded with the criminal since he used my PIN at the ATM. I don't know how he got the pin, but I don't have it on my phone or anywhere. I also had my Debit card on my XXXX XXXX so maybe he accessed it that way. It's also annoying because the money he took from the ATM was only 10 % of the total money this man stole from my account. Never have I withdrawed anywhere close to {$1000.00} at once from an ATM, yet no transactions after were stopped by Wells Fargo. In fact, the guy tried overdrafting on my account 4-5 times. I also have filed a police report with XXXX XXXX  in XXXX. The case # is # 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 2023-04-23
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 1681e ( b ). XXXX XXXX XXXX XXXX  Account number XXXX .... Date opened XX/XX/XXXX XXXX .... Recent balance {$5400.00} XXXX XXXX XXXX XXXX FL XXXX, UT XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX contact ( XXXX ) XXXX XXXX XXXX contact : ( XXXX ) XXXX XXXX Inquiry Date : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a 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, 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 2023-04-23
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: 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 1681e ( b ). XXXX XXXX XXXX XXXX  Account number XXXX .... Date opened XX/XX/XXXX XXXX .... Recent balance {$5400.00} XXXX XXXX XXXX XXXX FL XXXX, UT XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX contact ( XXXX ) XXXX XXXX XXXX contact : ( XXXX ) XXXX XXXX Inquiry Date : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a 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, 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 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