BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
PennyMac Called on XX/XX/XXXX due to noticing due amount included late fee. Late fee was stated to be waived. Payment was made on XX/XX/XXXX which covered the difference fee per the calculation with the agent on the phone, {$190.00}. 

Called on XX/XX/XXXX : Waived late fee. Payment made on XX/XX/XXXX to be applied to upcoming months bill. Confirmation XXXX XXXXXXXX Called on XX/XX/XXXX : Waived late fee approved. Waiting for the payment that was made to be applied to upcoming month 's bill. Extension number : XXXX. XXXX. 

Called on XX/XX/XXXX then requested for supervisor : The payment on XX/XX/XXXX went towards principal instead of payment. Thats the reason it has been late. Looking into reversing the charge for it to go against monthly payment instead of principle. All late fees waived. {$73.00} was paid for payment on XX/XX/XXXX and XX/XX/XXXX to go towards monthly payment. Confirmation # XXXX Called on XX/XX/XXXX to follow up. The payment on XX/XX/XXXX was escalated for supervisor approval and was declined. Late fees were waived. Relayed the following payments that went towards principal reduction was not approved and the understanding was for it to go towards monthly payments. That was the only reason the XX/XX/XXXX and XX/XX/XXXX payments were made for it to be the total monthly payment of {$2100.00}. Will be calling on XX/XX/XXXX. Confirmation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2000.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$73.00} Multiple phone calls from PennyMac providing updates from XX/XX/XXXX to middle of XX/XX/XXXX. The last phone call from PennyMac stated the concern was resolved and the amounts were moved to the monthly payment for next month. 

Called on XX/XX/XXXX to follow up. The amounts are still in principle and not applied towards monthly mortgage payment. It was requested for this concern to be resolved as it was stated it was. Requested for the recording of the phone calls. It was stated this is escalating to supervisor for supervisor to to call back on XX/XX/XXXX between XXXX to XXXX. 

In the monthly bill, there is a section titled " Important Messages : '' *Suspense : Any amount received less than a full payment will be applied to a suspense account for your mortgage. When enough is received to equal a full payment, a full payment will be applied to your mortgage.

PennyMac is not following their Important Messages statement on their monthly mortgage bill that is received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Experian Information Solutions Inc.
State: NV
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:
The trouble with EXPERIAN is that I have been trying multiple times for over one year to have certain things removed off my credit report and might I add I am seemingly having problems in my physical life with things going on from the location this company is from, meaning their state of TEXAS. I have asked numerous times for them to update my address to the current address is now and to please please please remove the old addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV   XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. I am sick and tired of seeing these addresses especially since I have had the utmost problems with these two addresses when I lived there. Such as ppl coming into my home unauthorized, stealing my personal documents, using my clothing, destroying my clothing, using my home as if they pay rent there when I'm gone and so forth on. Now they want me to mail not upload my information to them but mail my personal documents to them, like ssn, ut. bill and copy of my current id. They refused my upload, which would be safer. Then they refused my online dispute with XXXX XXXX, this company is on my BKXXXX discharged XX/XX/XXXX, why are they still viewed after multiple request to remove off my credit report. XXXX XXXX is another one on BKXXXX doing the same things, look there information up and they are located in TEXAS. What is the deal with TEXAS on me. Another one, XXXX XXXX/XXXX saying I owe them over {$300.00} off a promotional device for {$100.00} and where they located in, TEXAS. XXXX XXXX XXXX XXXX XXXX, I wish this weekly who is right across the street from my old refuse to leave my credit report address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV XXXX address, saying I owe them {$160.00} on a pre-paid rental I already paid for, I admit my ck was a day or two late but not a weeks worth. I have been trying to remove these ppl for over a year and not to mention when I did try to remove them I was somehow removed out of my prior address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV XXXX address after 1yr and 1/2 almost  when I was cleaning my credit only to be bounced out into a XXXX awful motel for two weeks into my current address who is constantly turning my power off/on, water off/on and ac/heat off/on multiple times since I've been there XX/XX/XXXX. I use energy asst and guess what they did, took it and put it on the XXXX XXXX address while I am in the XXXX address.

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 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2018-02-16
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Wells Fargo seems to be engaging in unfair and deceptive practices. They [ lace property for public auction and quietly bid against member of the public thereby inflating the price that a member of the public would have to pay for any specific property. Wells Fargo should not be allowed to bid for properties they put out o the public for auction. I won a bid for a property in XXXX XXXX XXXX, XXXX, RI XXXX on 3 different occasions and was advised that I was the winning bidder and provide proof of resources ready to close the transaction. On each occasion, Wells Fargo declined the transaction and put the property back in the auction. When I inquired as to the reason why is process I occurring, I was advised that the delay in closing the first transaction was because they were investigating whether I have ties to any foreign organization. Subsequently on the third declination I inquired of XXXX as to the reason for this challenge and was advised that Wells Fargo authorized the auction company to bid on their behalf and on last occasion since I was the highest bidder and was denied the opportunity, I inquired again and was advised that Wells Fargo is allowed to do that and its their policy. This is a deceptive practice on the part of Wells Fargo. They should be compelled to disclose that they are a part of the bidding process. The same applies to XXXX XXXX, now XXXX XXXX as it relates to XXXX XXXX XXXX XXXX XXXX, MA. Any lender should be required to disclose that they are participating in the auction process or otherwise should not be able to participate.

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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions Social Security Number, Name, Proof of Address, and Date of Birth were also uploaded as proof that the Credit Report belongs to me

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 2020-01-31
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$1500.00}, {$4200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- AUTO ACCOUNTS -- 3. XXXX XXXX XXXX & with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-07-05
Company: Experian Information Solutions 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:
Company reports a Chapter XXXX Bankruptcy that the XXXX XXXX County Bankruptcy Court has said they did not verify. Company is taking incorrect but publicly available information and reporting it which has hurt my credit and ability to borrow. I disputed on XXXX, XX/XX/31, and XXXX. Complaint claims to investigate replies when the court and offices are closed. This is a violation of my rights under Fair Credit Reporting Act. Company refuses phone calls from me. Company will not escalate to a legal review internally.

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 2022-07-19
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: Was not notified of investigation status or results

Complaint:
In XXXX of 2022, I sent a dispute to XXXX, Equifax and XXXX credit reporting agencies. The results came back as verified as accurate. On XX/XX/2022, I sent a method of verification letter to all 3 reporting agencies requesting the description of the procedure used to determine the accuracy, name, address and telephone of each person contacted regarding the disputed account and a copy of any documents provided bearing my signature showing that I have a legally binding contractual obligation to pay the amount claimed. I asked that that those items be sent to me within 15 days and as of today XX/XX/2022, I have not received any documentation. I have attached a copy of the letter sent to all 3 reporting agencies and a copies of the US postal service certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/21 I sent a letter to commonwealth financial about a medical collection I truly have no knowledge of. ( The letter I submitted is attached ) so commonwealth responded by mail on XX/XX/21 that honored one portion of my letter which was a itemized break down of the bill. However, with regards to hippa authorization nothing was provided. Im requesting deletion of account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance with my existing lender Mr. Cooper. From XXXX to XXXX, Mr. Cooper became unresponsive and would not respond to my inquiries via email or telephone. I did not go forward with them, as I realized that they are a horrible company. However, I paid for an appraisal that came in low. I applied for a refinance with my original local lender and we were set to close XX/XX/21, but Mr. Cooper has refused to send the .xml version of the appraisal or the receipt that I paid for the appraisal to my new lender. The FHA requires the use of any appraisal taken within the last 6 months. I can not get this resolved and I can not close on my refinance without these documents. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: AES/PHEAA
State: IL
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 am part of the loan forgiveness program, after I make 120 payments on time I should have my loan forgiven. I have made 70 qualifying payments, the computer says I made 47, I have been calling for 14 months and they always say they are working on fixing the problem, but 14 months and I have no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: GA
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 XXXX Account XXXX XXXX # XXXX, 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.

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 2022-08-08
Company: Experian Information Solutions Inc.
State: NY
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
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:
________________________________________ XXXX EQUIFAX/ XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/2019 COLLECTION _________________________________ 2. XXXX XXXX COLLECTION IN ACCORDANCE TO 15 USC 1681 602A .... I HAVE A RIGHT TO PRIVACY.

IN ACCORDANCE TO 15 USC 1681 SECTION 2 ...

THE CREDIT REPORTING AGENCY DOES NOT HAVE PERMISSION TO POST MY INFORMATION WITH OUT MY CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
________________________________________ XXXX XXXX TRANSUNION XXXX XXXX XXXX BALANCE XXXX DATE OPENED XX/XX/2019 COLLECTION _________________________________ 2. XXXX XXXX COLLECTION IN ACCORDANCE TO 15 USC 1681 602A .... I HAVE A RIGHT TO PRIVACY. 

IN ACCORDANCE TO 15 USC 1681 SECTION 2 ... 
THE CREDIT REPORTING AGENCY DOES NOT HAVE PERMISSION TO POST MY INFORMATION WITH OUT MY CONSENT.

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 2022-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Person called from XXXX and basically said I owed {$8000.00} from a Capital One Card ( that I never had ) dating back 5 years ago. 
Very persuasive and pushy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan on my XXXX XXXX XXXX through Capital One Auto Finance. They have been great as far as arrangements and communication. My issue is that I made a XXXX payment on my account through XXXX in XXXX as I always do each month and they said that the payment was returned. I can not make electronic payments on the account. I have been making payments through XXXX at XXXX for the last 2 years with no issues. I spoke with a supervisor and she stated that XXXX or XXXX XXXX made a double payment and then returned one of them. This makes no sense to me as this is affecting my account. I would like this to be looked into and rectified. I have attached my statement reflecting the date that the payment was made. It is highlighted. 

I would also like for electronic payments or at least debit card payments to be reinstated on my account. I would like to begin making my payments directly to capital one. Everytime that I ask about this, I get the run around. 

Lastly, if possible, I would like for the repossession to be removed from my credit report. We still have the vehicle. I have steady employment and when that repossession happened I was unemployed. If that could be done, I would appreciate it. If not, I understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened this BJs credit card as it was to give a cash promo, which they quickly used as FEES later so I called for the amount to cancel the card completely with the full amount to absolute XXXX no XXXX later of pennies as they are doing now ... .so I can cut this up never see them again. I Never saw just piles of high fees they want to attach. Don't you figure .... now it tried to add another lousy XXXX for no reason, I figures they would you go through so much to find this company and get an answer. 
Im on hold RIGHT now again this whole time here as they didn't answer last time and how it's over 50 % charge to add to this lousy XXXX to get interest, of XXXX dollars and more interest on that interest. 
I saw this coming and why I cancelled the card. I am ALREADY in a once and done finish with her giving me the total never using the card again and paid. 
SO all this extra is to cause problems 45 days later ... no fees could have happened at all after we were COMPLETELy clear on them not pulling this. This is an old XXXX card scam. Not gon na happen and I'm complaining and warning everyone I know not to go near this UNKNOWn Bank as well that is behind the BJs company. NEVER ever. 
Now the on hold again can't take it for more than22.39 seconds and hung up on me. 
Same old same old. THey need shut down. The Bank is a scam of fees with NO employees and NO phone to get someone, They try to keep adding {$41.00} late fees and it says it still on the back page. Never let anyone get this card. PS. THEY DO NOT WANT YOU CALLING. THEY WANT YOU DIGGING ON THE INET FOR A NUMBER AND THE PAPER BILL WANTS YOU TO SNAIL MAIL ANY ISSUES> OH<<< SO IT '' S LATE AGAIN? FOR ANOTHER $ XXXX XXXX SCAM.

Company response to consumer: Closed with monetary relief