BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, 2022 I received a letter from PennyMac stating that my property taxes on my XXXX property were overdue, and that I would be in default of the loan terms if not paid within 14 days. I paid the taxes on the same day of receipt, XXXX XXXX, and I paid them in full. As requested by PennyMac, I sent in proof of payment ( verified Credit Card receipt AND proof of payment from XXXX XXXX XXXX, showing that XXXX taxes were due on my property. I then received a phone call with a recorded message on XXXX XXXX, stating to call about my account. There were no details left, nor which property and I have XXXX loans with this company. Also, when I answered the phone to PennyMac, it is a recorded voice telling you to call them, and no human is on the line, On XXXX, when I was finally able to call and speak with a person, I was told that my taxes were unpaid. I explained that I had both FAXED and POSTAL mailed proof of my payment XXXX weeks prior. The service rep was able to fix everything but it too, XXXX minutes and am very concerned that because of this they will try to default my loan based on unpaid property taxes. How does such a gigantic company not update its records for XXXX month? I also believe that the company should have to leave detailed information about what the issue is and what property it is specifically. I also had received an email from PennyMac about the status of my account on XXXX XXXX. I called that day and the rep said there were no issues with any- all XXXX of my accounts. And then today, I get yet another phone call- robo call without any information- even though I answer the phone, you get a recording telling you to call them. The rep also said I had requested I have now spent several calls, hours and emails for something that should not have even been a problem. It is very frustrating and this can't possibly be good business practice. It causes extreme anxiety to threaten a patron with flawless payment history and had complied immediately to continue be told they will possibly default the loan and this company should have either more employees and have some checks and balances so this doesn't continue to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The items are listed below : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was wronly chrged thousands of dollars in overdraft fees around 2007. I request to be made part of the recent Wells Fargo $ XXXX settlement.

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 2022-12-20
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I want to report TD Bank that represents XXXXXXXX XXXX  for potential violations of the FDCPA. Mainly, now I am getting calls on an outstanding balance on an account that is not legally mine. Due to the terms of my purchase with XXXX, XXXX was to credit my account in the amount of {$120.00}. That never happened. Now, TD bank is trying to recoup the {$120.00} plus late charges on an amount that is not legally mine. They keep telling me to " contact the merchant, '' but they are representing the merchant themselves. regardless, I am unable to contact the merchant. 
on or about XX/XX/XXXX, I purchased a new XXXX XXXX with a contract stating that I would be credited {$120.00} for the turn in to XXXX of my old watch. I did so. I received word from XXXX that my account was to be credited in the amount of {$120.00} in the manner of a text message to me that I retained in the notes to TD. The XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
Later in XXXX, I noticed that the amount was not credited. I contacted TD regarding the outstanding balance. They just told me in writing to " contact customer service. '' From the follow up contact, they said at that point that they would check into it and " do nothing. '' That message was dated XX/XX/XXXX. 
Next, in XXXX, I still see the balance and late fees accruing in the account. I then filed a formal complaint with TD Bank for the misrepresentation of the debt. That was filed via fax with TD on XXXX XXXX, XXXX. I had confirmation of receipt of the fax on the same day. I have not heard resolution other than they received the fax sent on XXXX XXXX, XXXX. 
I am continuing to get calls XXXX XXXX XXXX XXXX even after I have pleaded with them to verify and produce proof that I am legally responsible for the debt. They still do not have resolution on my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: MD
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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: MO
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2022-12-20
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: Information belongs to someone else

Complaint:
I have submitted multiple disputes and FTC regarding these accounts that do not belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are 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 2023-07-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection letter for a medical bill. When i went to pay online there were 3 options. E-check, credit card, or HSA. When I attempted to use the E-check option, it failed to process 3 times, and directed me to call customer service. To avoid long wait times on the phone, I ended up paying by credit card, which included a {$23.00} convinience fee for a {$390.00} bill. The transaction fee seems predatory because I don't know of a single credit card company that charges an almost 6 % transaction fee. Although, they gave the option to pay by bank account, it almost felt like the option was set up to fail so that people would default to paying by credit card, and paying the exorbitant fee.

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 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account online with Bank Of America XXXX. XXXX, 2022. I deposited {$100.00} into the account. On XXXX XXXX, 2022, I tried to log in to my account online and was blocked from doing so. I called the customer service number for Bank Of America that evening and was told that my account was closed. On XXXX XXXX I again called customer service during regular banking hours and was told that there was a freeze on my account and the bank decided that it was best to close my account for business purposes. I inquired about receiving the money in the account and was told to go into the branch with my ID to get the money. I went into the local branch that afternoon and was told that they cant give me my money, the account was closed. I asked for someone in charge and was told he was with another customer and to make an appointment which I did for XXXX pm on XXXX XXXX XXXX After going in and speaking with the bank manager I was told that the account is going on for closure and they planned on sending me my money with a cashiers check. I also let them know that I changed my military allotment to go into that account and wanted to know what would happen to that. They explained that it would be mailed to me. First of all, if the account is still open, why can I not get my money out. Secondly, if the account is still open why am I being told its closed. They also had the nerve to ask me if I wanted to open a new account. Can you please help me get the funds that are currently in there and any future deposits expeditiously. Per there own words they have until XX/XX/XXXX to close my account. At that point I will receive my money. How fair and right does this sound. Who gives them the right to hold MY money 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 2023-07-08
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: Information belongs to someone else

Complaint:
I'm sending this complaint to the Experian Credit Bureau to REMIND them that there is no involvement from a third party. They can not legally contact third parties with my private or sensitive information for any reason. Lack of permission defines fraud. The items listed below are false and are having an effect on my ability to establish credit. I want this removed right away! 
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

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today, XX/XX/2022, I spoke with XXXX in Consumer Relations and XXXX XXXX of the Fraud Dept at Transunion regarding hard inquiries on my Transunion Report. I do not have credit from any of the three lenders ; XXXX XXXX ; XXXX and XXXX XXXX XXXX. 
The first person I encountered when I called was a woman named XXXX. When I told her my situation she initially refused to transfer me to the Fraud Dept and said it would take three days for someone to call me back. After demanding I speak with someone from the Fraud Dept she finally gave me a file number # XXXX and passed me through to Fraud. There my problems only increased as the next Rep, XXXX XXXX repeatedly said they could not investigate hard inquiries and that I must send a letter of authorization stating I wanted the inquiries deleted. I told him I've sent at least three letters and the items have not been deleted. I then informed him that according to the FCRA Transunion 623 - 15 U.S.C. 1681s-2 The Bureau, shall be required to investigate a dispute concerning the accuracy of the information contained in my report based on my direct request. However, he stated Transunion does not investigate disputes. He then went on to reiterate I must send a letter - which I already did, 3x - stating I wanted the items deleted.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below I have already disputed with each bureau on XX/XX/2022 and XX/XX/2022 and they have not deleted the items below. 

Sec. 602 State... I have a right to privacy. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Case Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : 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 2023-03-03
Company: MoneySpot USA LLC DBA Sunshine Loans
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was contacted by this company threaten me that they were going to serve me court ordered papers to my home. If I didnt pay them, they gave me a settlement amount to pay and I paid and then went online and discovered this was a scam. I was scammed over {$350.00}, and then they call me again and again trying to get more money and I called the original creditor and said I have nothing owed with them but they have all my personal information. This company is called XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
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 reviewed my Consumer Reports and noticed that I one late payment on a account that I was never late on. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments account with XXXX XXXX XXXX - XXXX. Please investigate and provide proof with statements showing that this payment was late. If proof can't be provided, I demand these payments be updated to on time as they should be as I never late. Thanks.

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 2023-07-08
Company: Experian Information Solutions Inc.
State: MI
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 am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX. 
They did not provide me with the original application like I asked. 
Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. 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 2023-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase from Saks Fifth Avenue online website on XX/XX/XXXX for items totally the amount of {$480.00}. I sent the items back. I never received a refund for the items I returned. I disputed this charge twice, most recently as of XX/XX/XXXX. The credit card company did not resolve the dispute and added the amount of {$480.00} back on to my Saks Fifth Avenue store credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Hello. I have an outstanding credit card debt and Midland Credit Management has it. 
Yesterday I called this company in attempts to get some information on how to repay this debt, what is the interest rate, etc. 
The person who answered the call is a middle eastern man with a very thick accent who spoke very quickly making it difficult for me to understand what he was saying. I could however understand him somewhat. After I identified myself, this man went into a very long and boring spiel which was completely unnecessary. He didn't give me a chance to ask my questions and instead, began another long spiel regarding how to get a discount on what I owe. He rambled on and on to the point where I almost ended the call.

This man then asked me to make a payment to 'ensure ' the discount. I made an attempt to explain to him that I rely on Social Security and it is the end of the month so my funds are very low at this time. The guy then turned me over to his manager.

This manager is also middle eastern and spoke very quickly. She tried very hard to pressure me into making a payment, I told her the same thing I had told the first person. She was absolutely relentless and used a very demanding and accusatory voice.

I tried to remain calm and told her over and over that I absolutely could not make a payment. She then began badgering me asking me if I could make a {$80.00} payment then a {$60.00} payment until she stopped at {$45.00}. Again and again I told her I could not. This woman got angrier and angrier and demanded to know how much of a payment I COULD make!

Again I said I couldn't make ANY payment. She then threatened to take the money from my banking account even though she doesn't have my banking information and then lied saying she didn't say it. She stressed me out so much I told her to " have a good day '' and I hung up. 
I want to clear this debt but I can't unless I have more information which I did not receive. I refuse to deal with nasty demanding and pushy people. 
What can be done???

Company response to consumer: Closed with non-monetary relief