BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted PennyMac to inquire about COVID-19 pandemic assistance. At the time, my account was 30 days past due. I was informed by a representative that by enrolling in the COVID-19 pandemic assistance program, I would not be required to make the past due payment and enrollment would resolve negative credit reporting. 

After enrolling in the program, I received a written communication from PennyMac confirming my enrollment in the program. Furthermore, the letter confirmed that by participating in the program, no negative credit reporting would occur. 

Upon checking my credit report, I noticed my account was reported 30 days late contrary to the aforementioned. I spoke with XXXX ( XXXX x XXXX ) who confirmed she reviewed the recording and verified that I was informed that by enrolling in the COVID-19 pandemic assistance program, I would not be required to make the past due payment and enrollment would resolve negative credit reporting. XXXX also confirmed the written communication from XXXX. 

Despite XXXX acknowledgements, in no way did she honor what was stated verbally and provided in writing. To avoid further adverse credit reporting, I remitted the past due payment ( XX/XX/2020 ). However, my account continued to report 30-days past due. 

I have contacted XXXX on subsequent occasions, however at this point XXXX dont know what to believe. I completely feel like PennyMac is misleading its customers with no desire to be truthful. 

This evening, I reviewed information published on Consumer Financial Protection Bureaus website. Source : https :  //www.financialservicesperspectives.com/wp-content/uploads/sites/6/2020/06/Sup-Materials.Blog_.cfpb_fcra_consumer-reporting-faqs-covid-19_2020-06.-GPremo-AChastain-CHancock.-June-2020.pdf. 

The information reads as follows, If during the accommodation the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. This could occur, for example, if the accommodation itself brings the credit obligation or account current ( such as a loan modification that resolves amounts past due so the borrower is no longer considered delinquent ) or if the consumer makes past due payments that bring the credit obligation or account current. 

Notwithstanding, I paid the past due payment and the accommodation deferred subsequent payments. As such, the account should no longer be reported as delinquent to the credit reporting agencies. 

I am hereby demanding that PennyMac report my account as current as stated both verbally and in writing. I have fulfilled my obligations. PennyMacs continued and misleading statements is causing significant harm to me both emotionally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: EQUIFAX, INC.
State: LA
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:
IT HAS BEEN OVER 30 DAYS WITHOUT ANY RESPONSE OR RESULTS! 
EQUIFAX is reporting TWO unauthorized hard inquiries to my credit report. I DEMAND to see SIGNED documents, privacy notices or credit applications with MY signature on them giving this company permission to access my credit file or DELETE from my equifax report NOW!!! *PLEASE REMOVE THE FOLLOWING HARD INQUIRES* 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX/XXXX/2018 Under what circumstances did I give this bank to access my credit report? PROVIDE ME WITH SIGNED AUTHORIZATION OR PROMPTLY DELETE THESE INQUIRIES OFF MY EQUIFAX FILE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to this company multiple times requesting documentation that proves they had permissible purpose to obtain my credit report. They have not provided any documentation so I am moving to sue this company. As such, I am filing a complaint to add to the documentation to be submitted to the court. 

I sent my original letter XX/XX/2019 via certified mail. I received a generic answer back explaining that they received an application. I requested proof of the document in question and was provided with no evidence of the same.

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 2019-06-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Once again were having a very difficult time with SPS to avoid foreclosure. We have been denied for a modification. We were told by SPS we can apply for a short sale which we have done. On our first submission was declined due to the fact SPS want a full payoff. Our Realtor then went back to our 2nd Len holder ( XXXX )and resubmitted the short sale and over the past 3 weeks is getting the short sale approval. In the mean time SPS has decided to go against its word and place the sale date that was on hold too ACTIVE. Back doored again! We now have a sale  date of XX/XX/19. Please place the short sale on hold so we can complete the short sale and avoid foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One has many discrepancies between the reporting to my credit report, the information given to me by their customer support and the information given to me via billing statements. These discrepancies include minimum payment and due date. Because I acted in good faith in the information given to me by Capital One it has giving Capital One an illegitimate reason to report negative payment history to my credit report. Although Capital One 's customer service agents concur with my grievance, Capital One continues to harm me by report negative information to the credit bureaus. In addition, Capital One waited 5 months to report that I made a late payment but that payment was not late based on the information given to me by Capital One. Is it a violation of the Fair Credit Reporting Act not to report in a timely manner?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Nelnet, Inc.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
NelNet is incorrectly reporting a past due student loan. Attached are screenshots making it crystal clear their errors. I consolidated my " NON DEFAULTED PAID IN FULL THROUGH CONSOLIDATION LOAN '' loan to XXXX XXXX onXX/XX/XXXX ( see gov bank end shot ). NelNet is reporting a past due collection for this same loan on my credit report with 180-day lates XX/XX/XXXX. NelNet is incorrect and never updated their systems with this loan like my other loans were.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked ERC to stop calling me and to communicate in writing only yet they continue to call me anyways.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: FL
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXXand XX/XX/XXXX CRA. On XX/XX/2020, I mailed Equifax, XX/XX/XXXXand XX/XX/XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
America First Credit Union has made the decision on behalf of their members to opt them in to their premium checking which requires a {$1500.00} balance to be maintained, direct deposit and 20-30 debit/credit transactions per month or be charged $ XXXXmonth. This should have been an opt in option. Its also sneaky and underhanded. I havent received an email notification, I only found out about it through a news article and then found it on XXXX. This is unethical, I would expect this from a bank, not a credit union. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2020 I sent a complaint to Experian about some incorrect information on my credit report. It has been almost 3 months and they have not updated me on the report or taken action. This is terrible. On XX/XX/2020 I submitted a complaint to the CFPB and they denied taking action for some odd reason. This is ridiculous. I am stressed. I just want my complaint to be investigated and taken seriously. With COVID 19 this is not another stress that I need. Please can someone look into this? I have been patient enough.

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 2020-09-06
Company: Capital Credit and Collection Service, 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:
They need to take the off my credit it got more that ten years and some of them there more that three time and paying on them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
We have a CITI Double Cash credit card and prevented from obtaining Cash Rewards earned. We access information at CITI website and learned 1-we have {$33.00} in cash rewards but unable to access or use cash rewards earned and 2-noticed a bogus charge of {$10.00} from unrecognized vendor but, again. no practical way to contact CITI. Have tried to phone numbers from CITI website, XXXX and then tried XXXX. Neither responsive to problems above, i.e., cash rewards of {$33.00} nor bogus debit on our account {$10.00} charged by unrecognized vendor. Cards issued to XXXX and to XXXX XXXX both ending in XXXX. Back of cards : " World Elite '' and Mastercard. 
XX/XX/2021 email : 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 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2018-02-07
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Wrong addresses. precious wong name listings. As well as current name. Debt for student loan that has been paid since 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Social Finance, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been working directly with SOFI in an attempt to resolve a debt that was taken out as a result of ID Theft. This has been an ongoing issue that I have been trying to communicate since XXXX of 2018. I submitted the requested documents to officially dispute the item and was asked multiple times to submit additional documents to support my claim. During this time my account was sold to collections which I was under the impression was a violation of the Fair Debt Collection Practices Act. I now have seen reports that XXXX and XXXX have attempted to serve me with paperwork. I attempted to call them after submitting fraud docs to them as well / They are continuing with the collections effort and say that SOFI needs to contact them to change that. I have been dealing with SOFI to resolve this and it does not seem to be getting anywhere and I am constantly told I need to call XXXX to resolve. I reached out today to SOFI yet again only to find out they have not even reviewed the updated documents they asked for back on XX/XX/XXXX. Multiple calls after XX/XX/XXXX I have been told I will receive a phone call back and leaving messages only to never get a response. This is really unprofessional handling of my situation, but as a victim of fraud, I should not have to go through all of this to resolve this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, INC.
State: FL
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 dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I never had this accounts, i believe, that somebody applied on my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: RentDebt Automated Collections, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft that I believe occurred during a vacation in Florida where I lost my purse. I did not receive any money, goods, or services as a result of the identity theft. Since I have noted collections accounts for apartment leases and a utility bill. The credit agencies and creditors have refused to remove this information after multiple attempts to clear my report of these unlawfully gained accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ON XX/XX/XXXX at approximately XXXX XXXX  a voice mail message was left on my cell phone voice mail. The caller stated her name was XXXX XXXX and that there was a " complaint notice to your attention ''. The caller did not identify where they were calling from and only left a number of XXXX. The message also stated that on a third " failed '' attempt, they were " required to direct further attempts to your HR or payroll department on file ''. 

I called the number listed above. When I inquired where I was calling, the male who first answered hung up on me. I called again a second time and I was placed on hold for approximately 5 minutes. I hung up and called again. Another female answered the phone and told me that they were just providing me information to schedule me for a " debtor 's examination ''. 

I asked the female to send me a copy of any singed contract that proved that I had any obligation for the debt that they were calling about. She told me that they did not send any type of documentation or contracts. She then said that they would provide the documentation in the " discover package once you go into judgement ''. 

I asked her for an address for me to send correspondence to them. She told me that all they could provide was an email address for me to send any correspondence to. The female also told me that they were not a collection agency but a litigation firm by the name of XXXX. I asked what XXXX stood for and she said " just XXXX ''. 

The female told me that alleged debt was open by me back in XXXX. She stated that the balance was {$6200.00} and it was through GE Capital.

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 2019-10-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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 bought items ( Total {$2000.00} [ {$1600.00} loan, {$400.00} deposit ] ) approximately a year ago ( XX/XX/2018 ) at a furniture store and applied for a credit card and was approved. During the process of delivery, the product was delayed and took approximately 2 months and was only a partial delivery ( {$1600.00} items delivered, {$400.00} item not delivered ). After almost 3 months of waiting, I bought furniture else which was needed and said I would not accept delivery since it was beyond the 2 months of waiting which was promised and I needed the furniture at this point was exhausted from the constant delays. The furniture store said they would not issue the credit/refund for the unshipped/undelivered item. I filed a dispute with the credit card it was too late to deliver at this point and I made other furniture arrangements. The dispute was closed very quickly, stating the furniture store issued me the credit for the item which was not delivered ( which is not true ). The bank is charging me for items that were never delivered despite it almost having been a year and accruing late fee 's as a result of it. The bank is unwilling to correct the amount owed for the items actually delivered, and is constantly calling me everyday and negatively impacting my otherwise stellar credit. The way the bank resolves the dispute in favor of the seller in the favor of the seller without any due diligence or investigation or validating any of the sellers false claims is completely unfair and prolonging payment process. I have no issues paying the correct amount balance and fees for the furniture that were actually delivered, but the bank agents that call regarding this matter are either unwilling or unable to help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
I have some unauthorized inquiries on my credit report, i attached a letter with all information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The information currently reflecting on my personal credit from the " XXXX XXXX XXXX XXXX XXXX '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TD BANK US HOLDING COMPANY
State: IL
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:
I did not authorize anyone employed by these companies to make any inquiries and view my credit report. Fraudulent Activities has been reported. 

XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX TD/bank USA/target c XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation