BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Account # : XXXX Balance : {$0.00} XXXX XXXX  Account # : XXXX {$8900.00} - Charge off XXXX XXXX Account # : XXXX Balance : {$570.00} - Charge off ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX : PennyMac Loan Services, LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX. NMLS ID # XXXX provided payoff statement on XX/XX/XXXX for XX/XX/XXXX. The amount was {$190000.00}. 

XX/XX/XXXX PennyMac Services, LLC received the wire transfer on XX/XX/XXXX XXXX  XXXX XXXX has confirmed that PennyMac has received the Payoff ( {$190000.00} ) on XX/XX/XXXX at XXXX EST.PennyMac did not provide a written final payment statement after request. 

XX/XX/XXXX to XX/XX/XXXX Pennymac has not applied for the payments correctly and closed the loan. 
PennyMac has not responded to the written emails.

PennyMac has not provided the final statement and the ETA to release the lien. 

Customer Complaints : Applying your payments correctly, Misreporting mortgage account status to you or to credit reporting agencies, Paying additional fees

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: HW Holding, 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:
It started with me getting bills from different credit cards with my maiden name XXXX XXXX being used. I closed the said accounts but then I got a colllections notice for a XXXX XXXX XXXX that Im delinquent on a loan/ bill for over {$12000.00}. Ive not used my maiden name since XX/XX/2005. Ive lived with my husband so I have proof that I have no apartment. Im getting a police report. Ive always paid all my bills on time. This is beyond concerning that after having great credit no one contacted me. I have XXXX XXXX from here on out. Please help me try to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  ; XXXX  and Transunion are incorrectly reporting that I am ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Trying to Short Sale the property have an offer and the property is vacate however, Wells Fargo is not doing interior BPOs/Appraisals nationwide.

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 2021-08-16
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Aargon Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was unsuccessful trying to contact XXXX XXXX XXXX And aargon agency didn't want to explain why my name is with them

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 2019-01-04
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
For XXXX, I was shopping online and found a site where I went to buy some presents. The total was for {$110.00} on the website XXXX. I put in my order late Friday night on XX/XX/XXXX. When I did not receive any email confirmation, order number, or tracking number within the hour, I started to look into the legitimacy of the website. I found out that it was a fraudulent site that sold credit card information and steals personal information. I immediately emailed the " contact me '' on the site asking for my money back because " I placed an incorrect order '', hoping that they would refund me the money. Of course I received no correspondence back. Fake site, I'm guessing potentially fake email contact and site form as well. 

I immediately called my bank, Santander around XXXX on the same day, XX/XX/XXXX. I spoke with a very pleasant woman and explained the series of events that lead to this. The woman said that she would freeze the card number and issue me a new card, but that I could not file for a fraudulent charge until the charge showed up on my account - it was currently pending and hadn't gone through yet. That was fine. 

I waited until Monday, XX/XX/XXXX, later in the afternoon around XXXX to call Santander back now that the {$110.00} charge showed up on my account. The woman asked me a series of questions such as if I'd tried to contact the vendor myself to resolve the issue, if I had received any good ordered, etc. I answered respectively saying that I sent an email to them but suspected that they were not receiving any emails from a fake site anyway and also had not received any goods or even any confirmation of my order. She put in the claim. 

I received a letter in the mail later in the month ( I forget the date but I think it was the XXXX or XX/XX/XXXX ). The letter said that Santander is denying my claim. I called back immediately to ask why. The reasoning was " buyer beware '' and that I should have had better judgement and used more caution before purchasing goods online. However, this woman was very pleasant to me and said that she would put in a different claim instead of fraudulent charges that would be for not receiving goods. She asked me the same types of scripted questions and said that she would not include " fraudulent site '' or similar terms so that maybe the claim would not get denied again. 

Today, XX/XX/2019, I received another letter in the mail saying that my claim is denied ( Reference Number on the claim XXXX ). I feel like I did all of my due diligence. If a bank is going to exhibit this much apathy for their customers, I'm just angry.

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 2021-08-16
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: Information belongs to someone else

Complaint:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
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:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter

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 2020-08-02
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am using an app named XXXX to pay my rent and it is not letting me link my PNC bank account to pay directly through the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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: Information belongs to someone else

Complaint:
I applied for a XXXX XXXX credit card today XX/XX/2020 and I was not approved because there are five accounts in negative standing appearing on my credit. I had no idea these accounts were even opened in my name because I didn't open them and I did not allow anyone to open them with my personal information. The companies where these accounts were opened are XXXX XXXX XXXX XXXX, XXXX XXXX County Dept, XXXX and U.S Department of Education. I do not have any written/verbal contract with any of these companies nor did I gain anything as a result of these accounts that were opened in my name such as money, services, goods or anything else and I never contributed to any payments that might have been made towards these accounts. I don't know who these accounts belong to but I have already filed a police report because it's not fair that I'm being held responsible for accounts that I never authorized to be opened in my name. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This complaint is in reference to a former CFBP complaint I submitted that is now closed without resolution : XXXX. The company did not resolve my issue and in my response to their response for the previous complaint, there was no option to upload additional documentation to dispute the company 's reason for denying my complaint. 

The company referenced only a 12 month option provided by XXXX, when I have provided documentation that I was on a 24 month spread out plan. The letter they referenced for the 12 months is a general automated letter that I receive after each escrow evaluation from XXXX. In this case, I have always called in and requested it be spread out by XXXX over 24 months. See attached which shows a general letter mailed to me with the 12 month option, then a follow up letter showing the 24 month granted by XXXX. Prior to the transfer, I had already asked XXXX ( in response to the general 12 month option ) to spread it out again over 24 months. They agreed and submitted the request as usual. Unfortunately, before the process was completed again, XXXX XXXX assumed XXXX XXXX accounts before the 24 months was extended for this new term. XXXX XXXX needs to reference the documentation I have attached to this complaint showing my history with XXXX of payments being spread over 24 months in response to the 12 month initial offer. As a consumer, I have the right to the same processes as XXXX allowed me, not new rules with a percentage that XXXX XXXX has that is obviously different that what I have been allowed with my previous lender. I will continue to fight for my right to have 24 month spread out as I was with XXXX even if I have to take this to court and present proof of this. I am not willing to refinance. I want the same option I had before coming to XXXX XXXX. I am just now getting caught up with my finances after this new home purchase and can not afford this new rule XXXX XXXX has that XXXX didn't have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a account with XXXX from XX/XX/XXXX, I closed account and remaining balance was sent to collections in 2 weeks. I am XXXX XXXX/XXXX, XXXX, XXXX, so I had my XXXX   pay with money order. I began to build my credit, and developed a good score.In early XX/XX/XXXX XXXX XXXX XXXX put a delinquent account on my credit report, same XXXX account I had paid with money order.Since it was from XX/XX/XXXX it did not affect my score very much, I still had XXXX, .Three or 4 months ago the account was REMOVED FROM ALL 3 CREDIT AGENCIES ... Last night I looked and the very same account is BACK as a NEW ACCOUNT XX/XX/XXXX, WHICH IS REAGING, AND ILLEGAL. I applied for a home loan/mortgage a few months ago and my score was XXXX After the removal of the account, now it is XXXX in just a couple months simply from the account being reaged and listed as NEW After being REMOVED. I Have spoken with a lawyer and told I can sue because it has affected my mortgage application and is extremely illegal. I'm very ill and need help to have this account REMOVED once and for all from the three credit agencies.It is the same account and the same collection company trying to start their time over.

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 2020-10-13
Company: TDF Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted 4 disputes to TDF financial since XX/XX/2020, I have not received a single response. I requested a debt validation, sent a dispute asking for the contract showing this belonged to me, submitted another dispute saying they did not respond and they need to delete the debt.

The company has not responded to any of my disputes, therefore this account is required to be deleted from my credit report. They had 30 days to validate the debt or delete it, they failed to respond and they are failing to follow the law. They also failed to list the account as " in dispute '' on the credit report, which is another legal violation.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-26
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to link my account between PNC Bank and the XXXX app using the service called XXXX. And it is saying that the bank has stopped allowing people to link their checking accounts through the service.and I don't believe that is fair ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a account with XXXX from XX/XX/XXXX, I closed account and remaining balance was sent to collections in 2 weeks. I am XXXX XXXX/XXXX, XXXX, XXXX, so I had my XXXX   pay with money order. I began to build my credit, and developed a good score.In early XX/XX/XXXX XXXX XXXX XXXX put a delinquent account on my credit report, same XXXX account I had paid with money order.Since it was from XX/XX/XXXX it did not affect my score very much, I still had XXXX, .Three or 4 months ago the account was REMOVED FROM ALL 3 CREDIT AGENCIES ... Last night I looked and the very same account is BACK as a NEW ACCOUNT XX/XX/XXXX, WHICH IS REAGING, AND ILLEGAL. I applied for a home loan/mortgage a few months ago and my score was XXXX After the removal of the account, now it is XXXX in just a couple months simply from the account being reaged and listed as NEW After being REMOVED. I Have spoken with a lawyer and told I can sue because it has affected my mortgage application and is extremely illegal. I'm very ill and need help to have this account REMOVED once and for all from the three credit agencies.It is the same account and the same collection company trying to start their time over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: SYNCHRONY FINANCIAL
State: NJ
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft VERIZON Account Number : XXXX This is not mine. 

2. Identity Theft SYNCB/PAYPAL Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2019-01-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I initiated a wire for the amount of {$5000.00} US Dollars from my bank, XXXX XXXX  to my husband 's bank in XXXX, HSBC. The funds did not make it to his bank. After 2 weeks of waiting I decided to cancel the wire and the XXXX XXXX wire department requested a return of funds. On XX/XX/XXXX XXXX XXXX informed me that HSBC involved OFAC and that I needed to answer a series of personal questions for HSBC to release the funds back. On that same day XXXX XXXX  sent the requested information to HSBC. Again, XXXX XXXX asked for the funds to be returned. Everyday after the XX/XX/XXXX XXXX has sent requests to HSBC to return funds and has had no response. On XX/XX/XXXX, XXXX XXXX  informed me that OFAC had closed the investigation but still hadn't heard any responses to the requests sent by XXXX XXXX  to HSBC regarding the return of funds. Today it is XX/XX/XXXX and XXXX XXXX 's wire department has yet to hear any responses. I need my money back now! Wire Confirmation number that XXXX XXXX  sent the wire successfully to HSBC is # XXXX

Company response to consumer: Closed with explanation