BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I missed an increase in my escrow payment because I changed my mailing address and failed to pay the required monthly payments for a few months. As a result I was behind on my payments, but I was still paying at least 80 % of my obligation every 30 days. My serviced held all my payments until there were full payments and then applied them to my balance. When I learned of the shortage, I immediately paid my late payments in full and brought the account current. Later, I discovered PennyMac reported to the credit agencies that I was more than 60 days past due -this was never the case as I had paid every 30 days. I challenged this negative mark with PennyMac directly, and they actually amended all my reports to remove the delinquency. However, several months later, I requested an appraisal from them to qualify for PMI removal and they declined my request to move forward with this process because they said I was 60 days past due -which they already admitted to the credit agencies was an error, but I guess never updated their own internal records to reflect this. I called to discuss the error and resubmitted my request -Ive done this 3 times now, and I keep getting passed around from agent to agent, with letters sent declining me for the same reasons, with no explanation or proof that they have reviewed or researched my case. Ive paid {$1200.00} in PMI in the last 6 months that Im eligible for removal with a simple appraisal and that they refuse to move forward with due to an error on their part. I believe their customer service has been abysmal and that their operations are grossly mismanaged such that more complex cases, such as my own, are never scrutinized or reviewed or managed appropriately. They are more concerned with protecting their investors than with actually servicing their clients.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-08
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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My Transunion report claims I have a chargeoff from XXXX. I have never had an account with XXXX. I dont know where this chargeoff came from or what it is for. This has negatively affected my credit

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 2020-01-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My citibank account has been showing that is has been pasted due for more that 6 months which is not correct. I have made payments every month on this account. When this account was closed my {$200.00} security deposit was applied to balance. For some reason my required due each month was more than 300 % what it should have been. I have added the bills and payment history to this email. Citibank stated they would not correct my credit report and stated information is correct when it is not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
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:
There are fraudulent accounts on my credit reports I have been disputing with no luck. 

XXXX XXXX XXXX XXXX/XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to file an identity theft claim and have included that file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
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:
There are fraudulent accounts on my credit reports I have been disputing with no luck. 

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 I had to file an identity theft claim and have included that file.

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 2022-01-26
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been in a continuing battle with Synchrony Bank over repaying my credit card account. This has been going on for three months. I have not only written them 3 times but called three times -- only once talking with an individual who sounded like they were in this country. 
I informed them over 3 months ago that I blocked them both from my email account but my bank account as well because they gave my bank account information ( through another PayPal account that had been used to commit fraud ) directly to a client. The fraud case was settled. 
I keep being told they can do nothing to change the due date and they keep sending notices to pay on line. 
I have no car and will not submit a personal check ( again based on the fraud case ) and have taken to mailing XXXX XXXX orders I purchase at the local when I can get transportation. I then mail them. 
I knew there would be changes in postal delivery and this is why I kept requestion a change in the Due Date. I am now being penalized with every payment.

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 2017-06-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An account was placed under my name erroneously. Since then,  TD BAN K  USA/TARGETCREDIThas damaged my name, and my credit TD BANK USA/TARGETCREDIT has entered derogatory information into my credit file. Multiple dispute letter has been sent a nd company failed to response and failed remove item from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08
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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
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 information incorrect

Complaint:
Denied credit from multiple lenders with a XXXX score for me and XXXX score for my husband- even bad credit lenders- Your Experian credit score : XXXX Date : XX/XX/2020 Scores range from a low of 300 to a high of 850. 

Key factors that adversely affected your credit score : Serious delinquency Ratio of balance to limit on bank revolving or other revolving accounts is too high Too many inquiries last 12 months Length of time accounts have been established Frankly we have reviewed our report and found none of this. The information they are using is either incorrect, from another using Experian name or just not current. This has cost us severe financial impact! The loan was for debt consolidation. Hence misrepresentation- frankly the histry shows only recently were my accounts behind due to medical and family personal impacts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Please refer to case number : XXXX for background. 

I was assaulted and had my wallet stolen. One of the thieves ran up charges on my Best Buy Citi Visa card. 

This is the worst credit card I've ever owned in my life, and I can not wait to dump it once this gets resolved. 

That month, I paid off more than my entire interest bearing balance less the fraudulent charges. 

I was assessed {$15.00} in interest that month, because the citi had not removed the fraudulent charges from my account. Because of that, I was carrying an interest bearing balance for the month. However, if you reduced the interest bearing amount by the fraudulent amount, then I actually paid more than what I owed for interest bearing purchases. 

Fast forward to today, I received a letter stating that they determined the charges were fraudulent and they refunded the fraudulent amount ; however, they never refunded the interest. 

The assault happened on XX/XX/XXXX. It is now XX/XX/XXXX, and after repeated calls and time wasted, the money is still not refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
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: Personal information incorrect

Complaint:
Address was changed for all 3 of my credit reports for an address in XXXX XXXX XXXX XXXX XXXX, NY 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 2020-08-08
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
XXXX, XXXX and HYUNDAI FINANCE the Debtor acting as Debt Collector, is making claim against XXXX XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount from XXXX : {$1700.00} ; {$17000.00} from XXXX and {$13000.00} from HYUNDAI FINANCE. A violation of title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), ( 4 ), ( 6 ) ( a ) ( b ), ( 9 ) and ( 10 ). 

Affiant is an Heir and Beneficiary to XXXX XXXX XXXX XXXX, XXXX XXXX. The XXXX XXXX XXXX by way of Jus Sanguine. Maxim of law - " The right of blood and kindred can not be destroyed by any civil law. '' 100 % of Right, Title and Interest in NOTICE OF SURETY ACT & BOND No. RE 295 357 246 US secured by UCC-1 Financing statement file # XXXX and Instrument no. XXXX recorded in XXXX County real estate records viewable at XXXX is assigned to XXXX XXXX in toto as Heir Beneficiary. 

For the record, on the record and let the record reflect. NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

Pursuant to Public L. No. 10 Ch. 48, 48 Stat. 112, 113 ( HJR 192 ), all public debts shall be discharged for full " Acquittance Discharge and Settlement '' and 'Closure ' to include but not  limited to all so called debts XXXX, XXXX and HYUNDAI FINANCE may portend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. 

Also reference Public Resolution ( Law ) 73-10, 31 USC 463, 31 USC 5118 ( no money was loaned ). 

XXXX, XXXX and HYUNDAI FINANCE is insolvent and Civiliter Mortuus with no standing in law to make any claim against this Estate.

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 2022-01-26
Company: EQUIFAX, INC.
State: WA
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:
information is being furnished on my consumer reports without me knowing and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Ad Astra Recovery Services Inc
State: LA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
To clarify the debit card that I XXXX process for the month of XXXX was not obtained on XXXX XXXX, 2015. I XXXX received XXXX loans in the amount of {$350.00} from XXXX XXXX in the month of XXXX 2015. The dates of the month of XXXX are the XXXX 2015 and XXXX of 2015. And both of these loans in the amount of {$350.00} was settled in the amount of {$400.00} on the XXXX and XXXX of the month of XXXX. I have not received a loan on XXXX XXXX. I have faxed Ad Astra Recovery a copy of my bank statements to vertify. What i am writing to you hoping tha this will clear all this up this time. Even for the month of XXXX I have not received a loan the XXXX of XXXX it was the XXXX of XXXX 2015. I stated " here are patterns of my bank statements the way I was paying my loans. '' Paying all them the sameday not days after. My bank statements can contest to that so what more proof i need. That 's all i have to show is my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am trying to purchase a house and went shopping for the lowest mortgage rates. I thought I was supposed to have 45 days to shop or at the very least 14 days without adding a bunch of hard inquiries onto my report. Every single inquiry is counting as a hard inquiry even though I did them in the allotted time and now my credit score is taking a nose dive. How are people supposed to be able to shop for the best rate if it blows up your credit in the process? Even on the CFPB website it says I should have 45 days. This is just another example of why there needs to be proper regulation over the credit boroughs. There isn't even a way to dispute the hard inquiries with the credit boroughs and ask why they weren't treated as one. I tried opening a dispute but there isn't any way to dispute hard inquiries nor is there anyone to speak to about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I disputed the account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX {$810.00} with XXXX XXXX and Transunion and the incorrect information is still there. 
I do not know who account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX {$810.00} is. 
I have never signed an agreement with account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX   {$810.00}. 
They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2016-01-27
Company: Anderson and Associates Credit Services, LLC
State: OR
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a medical bill that the provider has not bill my insurance till XX/XX/XXXX for the service that was given to me XX/XX/2015.They send it yo collection agency while I was telling them to bill my insurance .After they recieved a payment from insurance, They are still asking me to pay a full balance

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I forgot to set up auto pay but never received a late payment notice or a phone call from Wells Fargo. The first time that they called me I answered the phone and when they told me I was late on one payment and the next payment was due, I immediately paid them both and went online and tried to set up automatic payments. Which I had to do at a later date because it would n't allow me to do it on the same day that I had scheduled a payment. It was n't until I applied for another loan That I found out they had reported it as having gone to collections at the credit bureau, although they had never started a collection process. They Temporarily ruined my credit, we were unable to make the purchase and it caused me great concern about restoring my credit. I contacted them and the credit bureau. They would do nothing to help and said they consider a loan to be in collections a week after it is due. What an abuse of the power they have over consumers.

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 2016-09-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
What Wells Fargo done is not right. I was told last week my refund from My escrow account would be {$570.00} when I received the check it was $ {$41.00}. What I do n't understand I got {$370.00} last year and you compare the number of statement the XXXX do t make sense that we 'll Fargo sent me. I asked consumer protection to look into this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
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 previously sent 4 dispute letters to Equifax asking them for verifiable proof that I owe this debt in terms of my wet ink signature or do they have any camera footage or anything the shows 100 % accuracy according to the FCRA section ( 609 ) that I owe this debt to XXXX XXXX XXXX XXXX. On one occasion I sent Equifax a non-response letter certified mail because they never responded to my initial dispute and it was almost two months later when they had 30 days to investigate and they still did not delete these two negative accounts. I even have a copy of the letter from XXXX XXXX XXXX XXXX stating that they have concluded these accounts does not belong to me because they could not validate the account information on their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I CONTACTED WELLS FARGO FOR I DIDN'T RECEIVE THE PRODUCT I PAID FOR FROM MY CHECKING ACCOUNT WELLS FARGO CREDITED ME HALF OF THE DISPUTE THEN REVERSED THE ISSUE AND MADE MA {$6400.00} NEGATIVE IN MY ACCOUNT CLOSED THE ISSUE WITHOUT MY AUTHORIZATION

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