BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I 'm making a complaint about the company PennyMac. I did one modification and when l sold my property, I found out that they put out a second loan to XXXX XXXX XXXX without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
[ " NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT DECLARATION OF PRIVATE LIEN, RECONVEYANCE, REVESTMENT, LIVING REVOCABLE PRIVATE TRUST, POWER OF ATTORNEY IN-FACT, PRIVATE TTEE 's APPOINTED Live Life Claim According to 15 USC 1615 and TITLE 15 USC 77 ( r ) the securities to cover the payment has already been paid in full via Birth Certificate XXXX XXXX and the back of the Social Security Card XXXX XXXX number being the Payment XXXX, which both XXXX  XXXX and XXXX XXXX file numbers are the reference numbers. The surtey for the principal... I hold stock and that's the B.C. and SSC. Without prejudice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This matter is guilt under the False Claims Act 31 U.S.C ... 3729-3733. This is also defamation of my character and against my SOCIAL SECURITY MORTMAIN VESSEL. My XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, recorded with the 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 explanation
Consumer complaint received 2021-12-25
Company: AR Resources, Inc.
State: TN
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:
AR Resources Inc. 
XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX This account needs to included in our bankruptcy XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XXXX I received a letter from the presidential office of XXXX XXXX XXXX  about the XXXX XXXX XXXX  card being reported on my credit report and was informed that could not find any application or account in my name. This account is fraudulent and needs to be removed asap. I am unaware where Transunion, XXXX, and XXXX is getting my information from if XXXX XXXX Bank said they have no such information in their system. This is identity theft pursuant to 15 USC 1681a ( a ) ( 3 ). I never authorized XXXX XXXX to use or transfer my identification to any company. This is defamation of character to report negative inaccurate information about a consumer. I tracked my certified letters to the reporting agencies, and they failed to respond or open an investigation. This is not a request to reinvestigate but a demand to remove tradeline due to failure of proper investigation into inaccurate information being reported. I DID YOUR JOB BETTER THAN YOU DELETE THE TRADELINE

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right letters and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
cores Details I demand the following accounts be verified or removed immediately. 


XXXX XXXX / {$670.00} / XX/XX/2022 XXXX / {$710.00} / XX/XX/2022 Cancel contract. Please provide the original contract or delete I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address 1 put on the from area.

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 2017-08-17
Company: Bayside Capital Services, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
OnXX/XX/XXXX XXXX XXXX XXXX from Bayside capital collection agency contacted me as well as a family member to collect a debt she threatened me by telling me I would be receiving legal document on XX/XX/XXXX and I still have't received them as of XX/XX/XXXX.
I then contacted on XX/XX/XXXX to XXXX XXXX XXXX and informed her about my situation I 've been unemployed since XX/XX/XXXX so I would need to do in hardship to pay the balance of the payday loan with checkngo.
I called back on XX/XX/XXXX to resolve this problem and to do the hardship of {$50.00} a month for 90 days. I was requesting this information and this agreement in writing documenting the agreement that XXXX XXXX had my loan with XXXX XXXX XXXX.
I would be paying the {$50.00} for 90 days and I also wanted to agree that the amount was going to be {$2200.00} not {$2800.00}. By me paying {$50.00} there would not be any penalties or interest and I wanted all this to be document down in the agreement I also wanted to mail in my payment I was trying to resolve this matter with Bayside Capital collection agency and they did n't want to work with me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
apply for barclays XXXX XXXX XXXX credit card since i shop at XXXX XXXX XXXX  all the time .... got a letter requesting a photo copy of my driver license, social security card, bill from a utilitiy company and a current bank statement .... call to ask them why i need to send them all this and was told it was to prevent i 'd thief ... if the letter with all the requested material was ever lost, could n't someone really have an eazy time stealing my ID?? .seems very idiotic to send all this by mail to prevent ID thief .... when i called to ask them about this they ask me 10 different. questions only i would know and yet they insisted i send the request material or they will not process the application ... the worst part is they already checled my credit report and i have an inquiry already listed by barclays .... its very redundant of barclays credit card company to do this and just seem 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 2017-08-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CRA is in direct violation of Metro 2 compliance, FCRA sec 609, Michigan Consumer laws..

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 2022-07-08
Company: Experian Information Solutions 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 XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX OTHER has violated my rights. 

15 U.S.C 1681 Section 602 A. States that 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 furniture 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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 checked my credit report and noticed I had unauthorized fraudulent inquiries. I sent letters to XXXX and TransUnion with a FTC report attached but they did not remove the inquiries.

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 2017-09-26
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Keep submitting documents and agents keep being switched on my account just being ran around in circles

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 2022-02-04
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXXXXXX/ XXXX / {$0.00} XXXX XXXXXXXX XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2018-04-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have not been able to afford my student loan payments from Navient due to unemployment and Navient has been harassing me by phone, calling me often eight times a day during the week, calling me several times during the weekends, and calling me after XXXX at night almost every night. My last straw was when they called me tonight at XXXX. 

I should not be harassed like this day in and day out from XXXX to almost XXXX at night because I am unable to afford the egregiously high student loan payments that Navient wants -- whether it's the full payment or interest-only payments -- while I am unemployed. I no longer have any remaining forbearance or deferment and need the CFPB 's help to stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
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: Old information reappears or never goes away

Complaint:
On or around XXXX XXXX, 2017 - XXXX XXXX XXXX XXXX  realized that they incorrectly reported information to all three ( 3 ) major credit bureaus. At that time, XXXX XXXX XXXX XXXX requested that all three ( 3 ) major credit bureaus delete the information. Equifax has not deleted the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Avant Holding Company, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I found XXXX charges for {$95.00} on my account when I checked this morning [ XXXX ]. They were all made on Saturday XXXX. All reference a city in Idaho with a random name attached. I have been calling the company but each person says they send everything to one department and nothing else can be done. The department leaves me on hold for hours and never answers. It hangs up on me at about 1.5 hours. I am currently on hold and can hear the person shuffling and a dog barking behind the hold music.

According to the credit forum this is going on with several other cardholders so I believe it is a breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: REGIONS FINANCIAL CORPORATION
State: LA
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:
I gave filled a dispute in regards to incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

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 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse. 

I NEVER had an account with this company.

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 2022-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been complaining to Bank of America, to XXXX and CFPB since the start of the Financial Crisis in XXXX 
THIS IS OUR LAST COMPLAIN. 
Its is in response to the last letter ( case # XXXX ) received from Bank of America Resolution Specialist.

With all our respect The BofA Resolution Specialist is missing the point. 
This complaint is NOT about present interest of BofA in this Loan. 
This complaint is about BofA past Loan Modification Fraud. 

A little bit of Justice will be greatly appreciated. 

How did Bank of America prevent mortgage modifications? 
What we have learned through former BOA employees and supervisors is that BOA engaged in a scheme of deceptions, misrepresentations and outright lies to keep its customers from getting XXXX mortgage modifications. 

Among other things, BOA would : Repeatedly and intentionally lose customers modification applications Falsely claim that the applications were incomplete or stale Tell applicants that they could not qualify unless they were behind on their payments Charge its customers unnecessary fees Fail to apply customers payments to the proper accounts. 
BOA did this because it figured out that it would make far more money through foreclosures or less favorable mortgage modification than through XXXX modifications. 

As a result of its fraud, BOA has been forced to repay the United States government a XXXX XXXX! What BOA has not done, however, is repay all of the customers it defrauded. Thats what our law firm is committed to do for our clients getting them the justice they deserve. 

What BOA has not done, however, is repay all of the customers it defrauded.

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 2022-02-04
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Huntington National Bank is double charging my account for holds on checks. Their negligence is causing overdraft fees. Also, they are crediting my account, if check is not good, they are removing funds, the putting a hold on check and removing funds against and not replacing when hold is off. They owe my checking account {$320.00} in overdraft fees and reimbursement for all funds not returned to my account after hold is removed. Approximately {$2000.00}. Also, Huntington Bank still owes my checking account {$110.00} of additional overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Comerica
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Money deposited on XX/XX/XXXX. I advised Direct express XX/XX/XXXX of unauthorized fraudlant activity. 2 amountsvi explained to rep one fot XXXX another for XXXX Rep explained i would recive via, mail paperwork for me to summit with any unauthorized charges. There were one other truthfinder and magazines. Also, i had to obtain another card. I paid for 2 day shipping for card. I did not receive the card for 4 dsys. I was able only to speak to the dispute department one time when i first moticed. Now i sre those charges, as paid. And i am having a hard time financially afraid i wint have enough money to pay remaining bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 for Repair Services in the amount of {$510.00} on XXXX XX/XX/2022 pulled from 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 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 2022-02-04
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:
I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on Transunion in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately. File number : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/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 2017-08-17
Company: M&T BANK CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent an Error Resolution Notice to M & T Bank concerning an error in the application of an unknown payment to my account. I did not make that payment and M & T Bank did not disclose the source of the payment. I requested that M & T Bank provide me with copies of all documents and information that they relied upon to post the transaction to my account. See attachment : XXXX M & T Bank has not corrected the error. M & T Bank has not provided me with a written notification that includes a statement that M & T Bank has determined that no error occurred, a statement of the reason or reasons for this determination, a statement of my right to request documents relied upon by M & T Bank in reaching its determination, and information regarding how I can request such documents. See attachment : mtbank_letter.PDF

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