BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
For the past 3 years I have had lender based insurance placed on my home over a few days of lapse each year due to issues with my insurance company and a yearly fee that is not auto drafted from my account. Never more than 10 days. They have proof of my reinstatement, proof of insurance in their record and have place and charged me for full year policies over these few days of lapse and are refusing to refund the policy placed by them. I have spent some over XXXX hours on the phones with them. No one will help its constant back and department to department. Everyone saying its not their department. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2022, I reached out to My great lakes my student loan servicer. On that day i requested all the payments I made during the student loan pause starting when the CARES ACT went into effect to be refunded/reversed as the Provision under the CARES ACT law. I was told the application would be submitted to the Back office were it would be processed and I should see my loan balances update in XXXX business days and receive my refunds within XXXX business days. I have Reached out numerous times to get an update on my situation and I'm told that my request is still " processing ''. I keep being given longer and longer time frames the last one I was told is that it could take up to XXXX business days to see any updates to my account. I really am in need of this money with Inflation at historic levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint Mortgage company bought my loan as of XXXX XXXX, XXXX. Previous loan held by XXXX. I use autopay and have for the life of the loan. Both XXXX and RoundPoint sent letters saying the payment terms are exactly the same and autopay would remain in effect with no action from me. My loan payment of XXXX was deducted by Roundpoint as expected on XXXX XXXX which has been the payment date for the life of the loan. I have written verification from bank. Roundpoint is also a debt collector -- under the same company. The debt collection arm of Roundpoint sent a threatening letter XXXX XXXX ( prior to the loan payment due date ) saying my loan is in Collection and threatening me. I HAVE NEVER MISSED A PAYMENT IN MY LIFE and have paid mortgages since the mid XXXX 's. They say that I must pay the full amount of {$340000.00} by XX/XX/XXXX. This is erroneous. They took my payment as usual, and their website confirms my loan payment was made and updated the amount owed to {$340000.00}. One arm of RoundPoint confirms payment while another subsidiary threatens me with a letter saying my loan is in Collection. I tried calling them at the number listed and there is no way to reach a human being -- it's entirely automated. There are hundreds of complaints online with the same issue. RoundPoint seems eager to make money off Debt Collection and threatens and harasses reliable loan clients.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
i submitted dispute to all ( 3 ) credit reporting agencies and XXXX. I was reported as being late on forebearance and they did a loan modification-but also a Death occurred related to XXXX to my spouse who was also a co-borrower on the Mortgage loan with XXXX. I filed a hardship request back in XX/XX/XXXX on the death of the Co-borrower and request time for hardship into XX/XX/XXXX, until i could get back on my feet. I was told by the representative XXXX, they never acknowledge my Hardship request even thought I submitted information on the Death of co-borrower. Instead they went and marked my XXXX mortgage late. I reached out to the Lost and mitigation dept at XXXXthey told me they were very backlogged, even though the death letter and death certificate was sitting in the loan soultion webiste for XXXX, nobody has yet reviewed my request at XXXX because they are so backlogged. 

XXXX- did successfully resolved their investigation - and restored my credit back to as it was In XXXX score of XXXX and no lates. filed CFPB XXXX TransUnion - still not resolved the same investigation that i filed with CFPB XXXX -- still showing forebearance-Loan Modification & hardship as being late with XXXX. 

XXXX - still not resolved the same investigation that I filed CFBP XXXX -- still showing forebearance-Loan Modification & hardship as being late with XXXX. 

I am still waiting for TransUnion & XXXX to fix my Credit Report scoring XXXX to what it was back In XXXX XXXX to scoring XXXX... .I was severly impacted by XXXX and XXXX death of the co-boworrer / my spouse 20 years - XXXX XXXX who died XXXX was an XXXX  at XXXX XXXX XXXX XXXX XXXX. He worked in the XXXX XXXX XXXX from XXXX to XXXX ... ..XXXX was not to show as being late on forebearance & hardship extenstion, on my Mortgage and to give me continue hardship releif unitl end of XX/XX/XXXX, is what i requested, until i could get back on my feet.

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 2022-08-19
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
CItibank has decided to block access to my funds an account so i contact them. when i did they claimed they needed to obtained personal information and that is why they blocked my account. despite providing the information it took them 24 hrs until i was able to access my account. this incident occurred on XXXX XXXX on XX/XX/XXXX they did this again and when i called and spent 3 hrs on the phone they admitted it was a mistake. however account is still blocked for the weekend. i have been a customer for 28 years with high net worth and funding. this case needs to be reviewed and compensation to reimburse me for my time spent. 
mind you as we write this letters account is still blocked

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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, 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-21
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:
Enclosed are three different complaints to all 3 major credit bureaus EXPERIAN XXXX, and XXXX. Advising them that I a am a victim of Identity thief and that i have filed complaints with the proper authorities, enclosed is a copy of the disputes and the identity theft victims complaint affidavits,. I am request that all accounts that have been reported be deleted. The following accounts and inquiries are a fraud .... 

XXXX XXXX XXXX ACCT NO. XXXX XXXX  ACCT NO. XXXX XXXX XXXX ACCT NO. XXXX XXXX ACCT NO. XXXX XXXX ACCT NO. XXXX XXXX XXXX  ACCT NO. XXXX XXXX XXXX ACCT NO. XXXXXXXX XXXX  XXXX XXXX XXXX ACCT NO. ACCT NO. XXXX There are over 31 fraudulent inquiries on my credit report that must be deleted. 
In accordance with the FAIR CREDIT REPORTING ACT the following accounts and inquiries have violated my rights based on 15 U.S.C. 1681 SECTION 602 a. STATES I HAVE THE RIGHT TO P [ RIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 STATES A CONSUMERREPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

I have not authorized nor given any written instructions to have any one furnish these accounts on my behave.

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 2022-06-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
USAA allowed someone to open a credit card in my name. I am not a member of USAA and never have been. After notifying them 3 times and asked that they close the account and remove it from my credit report they have failed miserably. The persons who committed this fraud have tried over and over again to get a replacement card by changing the address which keeps hitting on my credit reports. Luckily I noticed this right away before any charges occurred but there will be negative info on my credit report if the don't cancel the card and remove my name and info out of their system. Thanks XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Regarding Paypal Credit w/ Synchrony .

They offer 0 % apr purchases with their card if the consumer pays off the debt within 6 months. I have been making more than sufficient payments to eliminate the debt within the 6 months but they continue to charge me interest. When I call, they say the payments are not applied to the First purchases that would have the earlier promotion expiration date. They do not offer any way for the consumer to specify where the payment should go. I have paid off all these debts and they continue to charge me interest. They are misleading the consumer and performing predatory practices.

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 2017-08-12
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 status incorrect

Complaint:
XXXX XXXX XXXX charged off my account when payment was made prior to 120 days charge off.
I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.

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 2022-06-21
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:
I am not a credit repair agency. I am writing this today insisting that the following unauthorized information on my credit file is deleted. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. There are fraudulent accounts and derogatory remarks being reported on my file that need to be removed. I would appreciate it if the items I have listed below are removed as soon as possible. This fraudulent activity is hindering my family and I to live a decent life. 




THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA

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 2022-11-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a late payment that I have been able to finnaly get reversed after two years of asking for them to reverse when it's my only late payment in 5 years and now for the last year I've been requesting it to be take. Off my credit report and it's still there which has caused loss of potential houses and loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After reviewing my consumer report I noticed that there were inaccurate accounts and information on my consumer report.The consumer reporting agency 's never gave me my right to opt out and furthermore they never asked for my permission to furnish this information. In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.Code 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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 2023-07-21
Company: Experian Information Solutions 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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Respected sir/madam, I have a checking account XXXX in Bank of America XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX decade. 
As such I had applied for new credit card with XXXX interest rate for a fixed time so that I could payoff my other high interest bearing credit cards. 
After I got the credit card the credit card department with the help of fraud prevention have blocked the card and it was because they expected wrong use of my credit card because of some " phishing ''. 
So I was asked to visit the branch with my ID and clear the hold in my credit card.I went to the XXXX the branch relationship XXXX XXXX XXXX XXXX XXXX branch, XXXX, XXXX  XXXX. 
She connected me with the fraud department official and after reviewing my documents with the branch staff, the fraud prevention official cleared the hold on my card. 
After that I called the customer care and initiated the balance transfer that I planned. After a few days I got a message that my balance transfer has not been processed. As such I called the XXXX XXXX XXXX and enquired about my transaction which was declined. 
As I good account holder of the bank, I was given the credit card ( ending with XXXX ) but this strange card blocking shocked me and further the XXXX XXXX XXXX is asking me to go to the branch again with my ID and redo the same meeting all over again. 
I explained that I was having some health issues as I am now a senior citizen ( XXXX ) and XXXX unable to freely go to the branch, but the official did not seem to understand if she wanted to really help a new credit card customer. 
I am sure this repeated meetings to clear the same issue is not secure for me. 
Please check this matter as to why I have to repeat any action for the same issue XXXX even commented that if this issue kept recurring I will have to relocate to live inside the branch itself. 
Please help! 
I am feeling helpless and trying to reach out for more and more help I can submit more details if needed. 
Thanking you, yours faithfully, 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 2022-06-21
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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 a 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 2022-06-21
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: Credit inquiries on your report that you don't recognize

Complaint:
ALSO DUE TO HIPP LAW AND ACCURATED INFORMATION, EQUIFAX AND XXXX ISN'T REPORTING CORRECT INFORMATION ' EQUIFAX REPORTING MEDICARE BILL THAT IS CORRECT PERSONAL INFORMATION, I HAVE RIGHT THAT ALL INFORMATION ON MY CREDIT REPORT IS FILED CORRETLY- THIS OCCURS FOR BOTH EQUIFAX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX XXXX # # # # XXXX XXXX XXXX {$570.00} INCORRECT INFORMATION REPORTING -- due to fraud on my credit report with Equifax AND XXXX XXXX, i notice these fraudulent items as inquiries that i would like removed asap, items on my Equifax and XXXX XXXX report as inquiries, please remove XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX this XX/XX/XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX this XX/XX/XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX this XX/XX/XXXX US DEPARTMENT OF EDUCATION US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX this XX/XX/XXXX XXXX - CARD SERVICES XXXX  - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX this XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Dispute this XX/XX/XXXX US DEPARTMENT OF EDUCATION US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. I have a few things on my file that are not correct. I am having issues with the following addresses that are not correct please delete the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I would like to request a new credit report as well so I can go over the remaining items and check for accuracy.

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