BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried on 2 separate occasions months apart trying to request my Free Annual Credit report online from Equifax only to be told continually year after year to contact them directly in order to receive my report. This is not the first time this has happen and I'm sure I'm not the only consumer experiencing this same issue. If certain reporting agencies are exempt from providing credit reports online, please note this on the free credit reporting web site so consumers stop wasting their time. I get tired year after year going through the process of filling out all of my personal information online, then submitting it only to be told to contact Credit Agency directly every time. Personally, I feel it is just some scam to make consumers call the credit agencies reps to hear about their latest products or services their selling before getting your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
After a re-appraisal of property value for my home, I formally requested private mortgage insurance deletion as the 80 % loan to value criteria has been met ( 77.9 % according to PennyMac representatives and letter received ). I am not being told my loan to value must be below 75 % which is not a referenceable criteria outlined in the Homeowners Protection Act of 1998, which seeks to protect consumers and homeowners from this kind of nefariousness.

I have formally requested a review of this from PennyMac in early XXXX and have not received response. Multiple follow-up calls have not yielded any resolution.

My final correspondence with PennyMac on this subject was on XX/XX/XXXX where I was transferred to a supervisor by the name of XXXX XXXX who effectively read the letter which I received nearly two months ago and did nothing to further escalate my request for review and subsequent deletion based on above outlined criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: NC
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 disputed the account because the acct is showing a balance past due. I made a payment to XXXX XXXX XXXX XXXX XXXX My account was transfer to them by XXXX however XXXX has not updated my account. The account is not paid in full as of XX/XX/2022. Please remove the XXXX account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Chime Financial Inc
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
An Amount of XXXX was paid to a recipient through CHIMES since XXXX XX/XX/2023 and money was never delivered up till now ( XX/XX/XXXX ) despite all Efforts..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: FL
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:
I wrote a letter to XXXX XXXX XXXX requesting a copy of the agreement that I allegedly signed giving them permission to report my information to the credit reporting agencies Experian, XXXX, XXXX and XXXX with my signature wet or electronic. I was sent two letters back reflecting both of the accounts that I had with them. XXXX XXXX XXXX  responded back with two letters stating that they do NOT keep copies of contracts/ application more than 25 months and electronically which would prove that I did/did not give permission to furnish my information to the credit reporting agencies or agree that I have the right to OPT in or OPT out. I called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and advised XXXX XXXX XXXX since they were not able to show proof that the alleged original contract between myself and there company exists and that I was not given the legal right to OPT out of having my information furnished to all credit reporting agencies. I am legal given they opportunity to opt in or out of have my information furnished according FCRA. I have demanded on several occasions to delete the two accounts from All credit reporting agencies. They refuse. I have also called XXXX, Experian, XXXX, and XXXX to remove the accounts and was met with lies and was hung up on even though I was nice and polite.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They are reporting names in my credit report that are not mine..my name is NOT XXXX nor am I 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 2023-01-09
Company: American Financial Network Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
'm being approved for the XXXX Assistance funds for XXXX futures mortgage payments. This is a federally funded and regulated program - overseen by the XXXX Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. HAF are sending the bulk checks and they aren't applying on time to my account. As of today, my XXXX and XXXX payment are past due because they aren't applying the payments on time. They send me a letter letting me know that I'm past due but in reality, I'm not because they had my monthly payment the problem is that they are holding it back. It's a nightmare every month dealing with late fees that are unfair since the payment arrive on time. Last month on XX/XX/XXXX after multiples calls and emails, they posted the XXXX payments for XXXX and XXXX after they email back with the following explanation. The checks never came to XXXX and were instead applied by payment services as the loan was current. We thought that the payments we were seeing for those dates were paid by the borrower as we never saw the checks. The XXXX achs I have just applied the amounts to the XXXX on XXXX XXXX loan. They should show in the XXXX by Friday the XXXX. This should hopefully clear up everything that was missing on this loan. This is so frustrating because they cashed the checks but not apply the payment to the mortgage loan. And charged late fees when in reality the checks get on time to the company. I spoke with the contact from XXXX, and she sent me the following, XXXX XXXX We show both payments made. XXXX was paid on XX/XX/XXXX, and XXXX was just paid on XX/XX/XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX Paid XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX if they are sending the payments on time, it is taking more than a month to be applied in my account???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My name is XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX I want to open checking account the Bank of America, but teller said I am banned by XX/XX/XXXX. 

They didn't tell me the reaseon. 

It's unfair. I want to open checking account from the Bank of America as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX The U.S. Agency for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Cellphone - ( XXXX ) XXXX - XXXX Fax - ( 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 monetary relief
Consumer complaint received 2022-10-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed multiple inquiries on my report I do not recognize

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 2023-08-07
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was betrayed and blindsided by Mr. Cooper. This shouldn't be surprising as they have had years of shadiness and unscrupulous dealings with me. Mr. Cooper and I had seemingly, finally started an open dialogue after all these years. I was applying for government financial help to save my home. Mr. Cooper was directing me on what forms and documents I needed. I had turned in everything that was asked of me as it was asked of me. Out of nowhere I see that my home is up for a foreclosure sale once again. I never heard a decision on financial aid and never missed turning in a required item. They apparently weren't really working with me at all but were just buying time to sell my house again. I am devastated. I finally had hope. Also, it seems like a conflict of interest that I am applying for " government aid '' but Mr. Cooper was the only ones handling the forms and deciding the outcome. My contacts at Mr. Cooper were XXXX XXXX and XXXX XXXX. I actually believed they were trustworthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/23, at XXXX XXXX., I received a text to my cell phone purporting to be from Wells Fargo, with the following language : ( ( WellsFargo ) {$230.00} Charge XXXX XXXX  in XXXX, CA. YES Reply Y. NO? CallBack Now XXXX XXXX XXXX I called Wells Fargo, and there was no such charge on my account, so I believe this was an attempt at fraud. 

Please let me know if there is any follow-up to investigate this. 
Thank you, 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 2022-11-08
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Due to technical issues on the companies end, the payment history on my credit report was reported 30 days late for the month of XX/XX/XXXX. I have contacted the company, XXXX XXXX XXXX, several times via emailXXXX  ticketing, and requested my payment history be updated. The most recent request was XX/XX/XXXX - I was advised the following : " Thanks for your patience while I looked into this for you. 
I've submitted a request to our credit team to correct our reports to reflect that payment was made on time. It was processed. 
Our credit team will update your report as soon as possible. However, please know that updates to your credit report may not reflect immediately because credit bureaus and credit monitoring platforms, like XXXX XXXX, take some time to process the updates. '' As of XX/XX/XXXX, the payment history is still reflected incorrectly. I've submitted several disputes to Experian, with provided documentation, and it has still not been corrected. Recent Disputes to Experian : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All disputes have not yielded proper 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 2023-04-08
Company: MOHELA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted my PSFL form for the determination of COVID criteria to MOHELA on XX/XX/XXXX. I never received confirmation of submission, so resubmitted on XX/XX/XXXX. 

MOHELA chose to CANCEL both PSLF  determination forms due to " duplicate submission '' but their online portal says they have been " Processed '' and notification of determination would be sent in 7-10 days. I have screen shots of the website to document this. I called after finding about the cancellation on XX/XX/XXXX - and they said they would reprocess the forms. It appears they chose to just CANCEL the whole process on XX/XX/XXXX. 

I was never notified of anything during this process. No phone call. No email. No letter. All of my contact information is up to date. 

I would like my on-time PSLF form to be honored and processed ASAP. It was submitted nearly 6 months ago and they have literally done nothing to honor this federal decision of which I followed all instructions. They have lied to me about the submission status and used their own processing mistakes as a means to drag this out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: OH
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:
Information on my consumer reports should be 100 % ACCURATE. This company says that they have nothing with an account related to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
BoA notified to close our business checking and credit card accounts. After the credit card cancelled. Our CD account is still not closing. This we cant get the deposit back. Its about XXXX. I tried to call them to solve the problem but all staff say they are not able to do it and transferred me back and forth many times. The most ridiculous thing is their CD department backlisted the number I called. I tried with another number it worked. Crazy if you dont provide service please give back our money rather than hold it for weeks.

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 monetary relief
Consumer complaint received 2022-11-28
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: Account status incorrect

Complaint:
XXXX XXXX CARD - incorrectly reporting as : Payment after charge off/collection Purchased by another lender. This was paid in full in XXXX of 2021, and I have made multiple written requests for evidence of the charge off/pay history for which there has been no response for more than 60 days 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 non-monetary relief
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: MD
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2022-12-19
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : 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 explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions 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:
2. This was not sent inadvertently or by any other person than me ; I am a consumer by law, and thanks to XXXX 's misuse of my information during a data breach, some of the accounts and things on my credit report are not completely true. That improper handling of my credit profile was unethical.

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