BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We have been with PennyMac for the first year, and every month we pay all our insurance and taxes for the whole year. I have been getting email after email asking us to refinance our home so when we call to inquire, no one can help and they always hang up on us. So today I receive a letter in the mail saying that they have not received our insurance payment for the year and that if they don't receive it in 2 weeks then our homeowners insurance will be cancelled. I keep calling to speak with a representative that actually has some common sense about home loans but we can not even get a competent person on the line that can either help or know how to work a phone when transferring us to the right department. They have lied to us multiple times saying they will call back and they won't. I have left message after message and no return phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Checking Account was closed by Chase bank on XX/XX/2018, in the letter sent by the bank it said they will send me a check for the remaining balance of {$10000.00}, but the bank holds that check and refused to give me my remaining balance until now. The bank claims that I have to bring all the people who had sent me money to me for the past 3 months to the branch, to verify their identity, so they can release the money to me. However, there are few people live in other states or out of the county right now, therefore, I was unable to bring them to the branch in person. I tried to call the bank several times but they still refused to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. I have a closed checking account with Wells Fargo Bank that ended up going into collections. I have been responsible in making payment arrangements dating back to XX/XX/XXXX. My most recent payment was XX/XX/XXXX for {$40.00}. I was operating in good faith. Then exactly two weeks later on XX/XX/XXXX I received a disturbing email from Wells Fargo Bank threatening me. The email read " Call us soon as possible about your closed deposit accounts balance to avoid further collection action ''. What could possibly be further collection action? Perhaps to give me a negative report to consumer reporting agencies, knowing that negative information will damage my credit reputation with other banks, car dealers and obtaining housing property. I am aware of my consumer rights and the rules of the fair debt collection practices act. This is harassment and abuse. My consumer rights have been violated. Pursuant to 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. My financial reputation was threaten here. I called Wells Fargo collections department and informed the phone rep of the abuse that took place. I was told a investigation would take place. XX/XX/XXXX at XXXX XXXX  I received a call from from a gentleman by the name of XXXX if I'm not mistaken. He was calling from the Executive office. He told me he would look further into this matter. A case number was created for this investigation, and the number 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 2022-04-05
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:
This inquiry was not removed with my previous CFPB dispute number # XXXX XXXX XXXX replied to my XXXX complaint that they dissolved their relationship with Equifax. I have 2 attach items. So who is Equifax verifying this supposed accurate information with? This is clearly an FCRA violation and needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I keep getting emails from navient saying they will offer forbearance and/or hardship. I am confused as to why they are emailing me about payments and they are no longer in the business with student loans. I got several emails stating they want a payment or it will be turned over to the 3 credit agencies. Payments are even at a halt so why are they asking for money. Advantages is the new company. I do have emails to back it up Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EdFinancial Services
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Just now, on XX/XX/2023, at XXXX, I am in receipt of harassing email from EdFinancial which accuses me of giving instructions to them which I never did, and in effect, EdFinancial is attempting to and/or conspiring to collect from me a balance of {$70.00} and subsequent interest which I have already paid. 

EdFinancial 's harassing email states they " apologize for any inconvenience '', but such apology is fake as they make a dishonest statement in " The payment in the amount of {$70.00} was applied to your account per your instructions. '' I specified, online that such loan be applied to my loan group with the greatest interest rate. EdFinancial is engaging in fraudulent behavior by receiving funds under the pretext of servicing my loan with honesty and the ability for me to be charged/pay less interest by preferentially paying higher interest loans more so than other loans. However, EdFinancial has not decreased my loan with the highest interest rate by {$70.00} -- and if they allege it is to my advantage in some way in reference to my hypothetical account balanced over the next 15 months, due to their policies on capitalized interest, then, they haven't explained that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 i sent and have notified TransUnion that they are in violation as well as the company that is reporting a collection account on my report. I do not owe any debt I will be pursuing legal action per violation per account. You are in violation of 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a viaolation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

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 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Something is very wrong here : I believe My XXXX, TransUnion and XXXX scores are being manipulated by the credit bureaus out of retaliation for the complaints I have filed. 
Facts : On XXXX My XXXX score was XXXX - 7 Neg accounts, 1 collection for {$9500.00}, overall credit usage at 35 %, Total Debt {$22000.00} XX/XX/XXXX ; NOTHING CHANGED SCORE up to XXXX On XX/XX/XXXX. XXXX, A few good changes : Collection account was remove, Number of late accounts dropped from 7 to 6, Overall credit usage a bit higher to 39 % ( Score dropped to XXXX ) XX/XX/XXXX : MORE GOOD CHANGES : No collection, Credit usage dropped to only 16 %, Total debt dropped from {$22000.00} to {$7800.00}, Credit card debt dropped from {$6200.00} to {$2700.00} and a XXXX Charge Off for {$20000.00} was changed to settled yet my Score barely increases to XXXX So how do I have all these improvements, no other negative accounts and my score doesnt change? 
Take another look : On XX/XX/XXXX, I had a collection account, 7 Negative accounts, Credit usage of 35 %, total debt of {$22000.00} and my XXXX CREDIT SCORE WAS XXXX On XX/XX/XXXX, I had the following Positive changes in my overall credit report : The collection account was removed, Overall Credit usage dropped considerably from 35 % to only 16 %, Negative account dropped from 7 to 6, Total debt dropped from {$22000.00} to {$7800.00}. My total Credit usage amount dropped from {$6200.00} to {$2700.00}, yet get this My XXXX credit score barely increased by 3 points to XXXX. How is this possible, especially since it is well advertised that Overall Credit usage is $ 35 % of our combined score and mine usage dropped from 35 % to 16 %? 
Additionally, XXXX is WAY WAY WAY off and always has been, look at the number of account amount owed and debt with XXXX compared to XXXX and TransUnion. I have tried correcting this for years and XXXX has done nothing. 
This errors cost me thens of thousands each year. That/s just me, imagine the damage to all Americans. 
****I guarantee the response I get from XXXX TransUnion and XXXX will be vague and not address the issue. 
This is one of many reasons why President Bidens plan to get rid of the Credit Bureaus will help over 100 million Americans. As all three Credit Bureaus have my information wrong, my score is inaccurate and numerous differences between each bureau.

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 2023-09-09
Company: U.S. BANCORP
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:
On XX/XX/XXXX I went to US BANK ATM machine to withdraw {$400.00} from my checking account at the the transaction machine says that is out of service, then I wet inside the branch they are XXXX atm machines y try XXXX then after the transaction machine says sorry software problem, the I wet the second machine finally I get tha money that I requested and print out says my balance is- {$400.00} means Im overdraft, I approach the bank teller y show is an error now u balance is {$93.00} then was receiving beat saying Im overdraft I call customer service to report the ope cas in take 3 days until now no refund says wait XXXX more days in the meantime I have autopay wit another providers and getting fin for XXXX bank on XX/XX/XXXX I call the bank again and told me I will receive e-Mail in XXXX or no

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 2023-09-09
Company: FIRST PORTFOLIO SERVICING INC
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on my XXXX credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows charged off account when i called them they have no records of me having this account they will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
On XX/XX/2018, Credit Acceptance is NOT reporting my good, on time payments for my car payments. I asked C.A. rep to correct the problem they caused to all 3 credit bureaus that my payments are late making my credit score decrease immensely. This is fraud. 
I want this fixed NOW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 explanation
Consumer complaint received 2023-02-25
Company: First Technology Federal Credit Union
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been out of a job since XXXX XXXX for medical reasons.My credit cards and car payment were over due by 3 months. I have my only checking account with First Tech and also a credit card and car loan where I have been a member for 20 years. I called the auto loan department on XX/XX/XXXX ( roughly {$3200.00} ) to ask for an extension so my car wouldn't be repossessed. I just started a new job on XX/XX/XXXX and it includes me driving around for business to business sales. I have direct deposit and was in communication to make payments with my direct deposit ( {$1000.00} ). They froze my accounts so I called again on XX/XX/XXXX. The woman was very rude and told me that the only way I can get my direct deposit was to have my job send my direct deposit to my savings account and she gave me the wrong account number. I got a loan from a friend and also sold my things and took work off to get this handled. So I had to take work off and brought a cashiers check ( {$4000.00} ) into the bank on XX/XX/XXXX. They could not unfreeze my accounts or give me any of my funds ( direct deposit or from the cashiers check ). They couldn't help me that day but said they were working on it. They did let me know that I would have to pay an extra {$340.00} for the investigator they hired to find my car even though I should have been current with the cashiers check. Since then I have gone into the bank on XX/XX/XXXX and twice on XX/XX/XXXX with still nothing resolved or access to ANY money. This seems wrong to withhold money from me considering I have been returning cans to put gas in my car and have been relying on friends for food. I am also a victim of XXXX XXXX  and have been diligent on getting my life back. 

Now my other credit cards are even more overdue even though I should be current and have money to not have them charged off. I also have not been able to receive the funds from my go fund me page or my tax return I should have gotten by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Hello, I sent letters out on XX/XX/2021.Huge violations are being broken by reporting inaccurate information on my consumer 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 2023-08-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 im XXXX  now.with no help.

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