BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Pennymac bought my loan in XX/XX/2021 and immediately lost my first check. 
I XXXX  the second check which they received on XX/XX/2021. 
I made a one time electronic payment to make sure the XX/XX/2021 payment was made.

Pennymac STILL has not cashed the check they received on XX/XX/XXXX. They said it could take up to five business days to cash the check. 

Pennymac claim to have begun processing of the check on XX/XX/XXXX, and read to me my check number and an internal tracking number. My bank routinely processes my checks and has received nothing even though Pennymac claims to have begun some processing procedure internally in their company.

They have received payment and it is Pennymac 's responsibility to cash the check. I and my bank have done nothing wrong. Pennymac must cash the check and keep my account current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: AK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX  % XXXX  and XXXX  veteran whose student loans were discharged but company is still refusing to cooperate and TOTALLY REMOVE ALL aspects of negative impact of my student loan I need immediate action and relief to take place concerning this by all credit bureaus they are failing to help me with company still negatively reporting loans even they should not even be listed. showing a charge off does not delete it of my credit report. one thing about college i did lean is DELETE means Delete!. still showing fragments of the debt is still taking action against me and after trying to resolve issue i wonder if there are other structural and institutional efforts at work to continuously suppress and negatively impact my score. enough is enough please have them delete items off my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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 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 XXXXXXXX, has violated my rights XXXX 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 XXXXXXXX, has violated my rights XXXX 

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 an 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 2023-01-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
last XX/XX/2022, my account on paypal became permanently limited access, the paypal says that I have a suspicious transactions even though I've what they are requiring me for, all of my money got hold and I need to wait for another 180 days to get my money, wishing and hoping to restore my account in order to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX  XXXX IN ( Original Creditor : XXXX AT XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-03-11
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of 2021 company added an old debt to my account that damaged my credit score. I contacted them to dispute and then refused the " debt parking ''. They also refused to send me anything in writing that they are legally supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made an uninformed decision. There is no evidence of indebtedness. The only evidence of debt was the agreement, because of the uninformed decision that agreement is null and void. Why? I dont understand this meaning and it was not clear and conspicuous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: SC
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:
Hello, my name XXXX XXXX. I've been battling to have a XXXX collection off my file for some months now with XXXX XXXX, XXXX  and Experian. I'm unsure what's going on with XXXX  because after I send out letter to ask for proof of signatures of documents. They totally ignore me afterwards. XXXX  I'm unsure, looks like they've removed the account but Experian still has it on file also and they have failed to respond to my dispute with verification of proof. I just want this account remove immediately since it's been well over 90 days as you'll see from documents I upload. Thank you

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 2017-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have tried calling, via certified mail and get no response other then a standard auto reply! It wasnt a signature showing I requested the inquiries on my TransUnion report! XXXX  and XXXX have deleted ALL inquires! Still I had no SIGNTURE showing proof my next step is to sue!

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 2020-12-07
Company: Experian Information Solutions Inc.
State: VI
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:
Experian gives no positive scoring if an account was paid off on time and never late. It simply marks the account as not having provided enough information when in fact the account shows no late assessments and paid on time and in full. In addition it fails to count timely rent payments as a positive. It only counts negative or derogatory information. When you bring this to their attention they tell you that they don't have to respond because you previously raised the issue - even though they provided no i formation in opposition to the complaint/dispute.

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 2017-12-21
Company: JH Portfolio Debt Equities, LLC
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:
I have tried to communicate through Attorneys to  resolve the inaccurate information on my credit report with XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX XXXX XXXX accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX XXXX XXXX reneged on our agreement and continued to allow the inaccurate information to be reported by XXXX XXXX and XXXX XXXX companies, which consisted of duplicate accounts with different account numbers. 

1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. 
I paid {$260.00} dollars to accurately resolve and ( Pay  in Full ) this account on XXXX XXXX, XXXX. 
***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$200.00} dollars to accurately resolve and ( Pay  in Full ) this account on XXXX. 
***Paid in Letters Provided*** 3.XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$130.00} dollars to accurately resolve and ( Pay  in Full ) this account on XXXX XXXX, XXXX. 
***Paid in Letters Provided***

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 2022-12-23
Company: UMB FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had a UMB Bank HSA savings account for many years. HSA savings accounts are governed by strict IRS rules and have tax consequences. 

In early XX/XX/2022 I logged into my Fidelity HSA account and requested a Trustee to Trustee transfer that abides by IRS rules from UMB into XXXX. The transfer could have been done for free via XXXX in 3 business days. However, since UMB knows that customers have to abide by IRS rules and must request a Trustee to Trustee transfer, it slaps a {$25.00} fee and out of spite takes 45 days to send over the funds.

1. In this case the fee was not for the transfer but for " Account Closure Fee ''. However, I never requested that the account be closed. I NEVER signed the UMB form that requests the account be closed. UMB took it upon themselves to illegally close the account and illegally charge me the fee out of spite because they lost custody of my balances.

2. UMB claims that their HSA Terms and Conditions allows them to charge the Account Closure Fee. However, on separate days, separate UMB agents ( including one Bree A. ) spent a total of over 70 minutes with customer on hold over the phone looking for such Terms and Conditions or any such policy and sheepishly admitted that they were unable to locate any such policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
On XX/XX/23 at XXXX, I sent {$350.00} to a woman who posed as an apartment locator thru cash apps platform. On XX/XX/23, I reached out to cash apps customer support and they told me they wouldnt be able to assist me in getting my funds back. This apartment service was never delivered and the apartments have no record on file of this transaction. The problem is that it happened through cash apps platform. My direct deposits go to my cash app, so this money was taken from my actual cash app balance and not from an outside banks debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Sentry Credit, Inc.
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to bring to your attention the unjust treatment I have experienced with regards to my tenancy at XXXX XXXX in XXXX XXXX XXXX, Florida. I believe it is crucial to share my story with you, as I trust that you will empathize with the challenges I have faced during these unprecedented times. 

As an essential worker during the height of the COVID-19 pandemic, I proudly served as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, the ongoing crisis presented numerous financial hardships for me and many others. Despite my dedication to my job, I found myself unable to afford the cost of living at my residence. 

In the midst of these financial difficulties, a new opportunity arose for me in another state, one that held the potential to offer me greater stability and security. Relocating became a necessity, as it offered a chance to secure better financial prospects for myself as well as ensure a sustainable future. 

I approached the leasing office at XXXX XXXX with utmost sincerity, explaining the monumental significance of this opportunity for me. I repeatedly requested their understanding and any form of leniency with regards to breaking my lease. However, despite my plea and the extenuating circumstances I presented, the leasing office remained unyielding in their stance. 

To my disbelief, I now find myself burdened with a debt of {$2300.00}, which has been sent to collections with Sentry Credit. The implications of this debt extend far beyond the mere financial strain ; it has adversely affected my credit score, limiting my ability to secure future rental accommodations and undermining my financial stability. 

I am deeply troubled by this situation, as it stands in stark contrast to the relief and assistance being offered amidst the ongoing pandemic. Numerous organizations and individuals have shown compassion and flexibility, adjusting policies to accommodate the challenges faced by individuals like myself. It is disheartening that XXXXXXXX XXXX  has chosen not to extend the same level of understanding in my case. 

I kindly request your intervention in this matter. Given my role as an essential worker, the sacrifices I made, and the consequences that have unfolded during the course of this pandemic, I believe it is only fair to be granted a measure of empathy and leniency by XXXX XXXX. 

I humbly implore you to investigate this situation further and facilitate a fair resolution. It is my sincerest hope that XXXXXXXX XXXX will reconsider their decision and work towards a mutually beneficial outcome. 

Thank you for your attention and anticipated support in rectifying this unjust situation. I eagerly await your response and hope for a positive resolution that upholds fairness and compassion during these trying times. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: SUNRISE CREDIT SERVICES, INC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
they keep calling everday none stop i told them that i gotten in touch withXXXX and they said that they did not send anything to collection agencyi explain to XXXX  that they have my address and now they are calling my mom house how did they get her phone number so now i am stuck with this collection agency calling everyday what do i do 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 2018-11-25
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have been dealing with GC services since XXXX. I have always managed to pay my traffic tickets. Since XXXX I made payment arrangements and showed them financial hardship, made a deal that I will pay {$50.00} a month, but they have ignored this and as the result my credit score has been ruined TOTALLY. I HAVE SPENT LONG TIME ON THE PHONE WAITING AND RUDELY THEY HAVE JUST HUNG UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am on a payment plan because I can not afford the monthly payments with Navient. Even though I have a payment plan set up with automatic payments, I receive XXXX calls a day and so does my co-signer. When I pick up the phone to answer, there is hold music playing for XXXX seconds to a minute and when someone does come on the line 75 % of the time they hang up on me. I work very hard to pay what I can to this company and yet the harassing phone calls don't stop, even when there is a payment plan in place and pending automatic payments. I have asked the people calling to stop calling me and my elderly co-signer who can not help at all financially. I have been told by reps that there is nothing they can do about the calls. One rep told me that the list of numbers autodials and she can not stop the call being placed. I talked to a manager today and was told that the calls are not automated and that someone was physically dialing. When I asked why there is hold music when I pick up, and no rep on the line, she said thank you have a nice day and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
keeps reporting information on a account that has been paid in full. Account needs to be closed paid in full removed from all credit bureaus and should not be reporting information without permission.

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 2021-08-10
Company: McCarthy, Burgess & Wolff, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for a 3 month marketing contract with a company called XXXX ( XXXX ). XXXX XXXX was the sales representative I spoke with. He verbally promised me the contract would end after 3 months without me having to do anything. I paid for 3 month because that was the agreement. Roughly a year later I was contacted by a collection agency on behalf of Vivial going by the name of McCarthy, Burgess, & Wolff. They claimed I owed Vivial hundreds of dollars. I reached out to both companies and told them that I had signed up for a 3 month contract with XXXX XXXX of XXXX. I mentioned that the contract I entered into was to terminate automatically at the end of the 3 month, that I paid for all 3 months, and that I should therefore have no balance with them. Both companies refused to listen and McCarthy, Burgess, & Wolff continued to bother me with emails, phone calls, and written letters. I eventually talked them down on the amount and just paid it because I couldn't take it anymore. I have a life and I can't take this abuse. I'm concerned the company may be using this as a fraudulent means to earn money. XXXX claims all of their calls are recorded, but I asked them twice for the recordings knowing they would shed light on what happened, and they were unable to produce the recordings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation