BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-30
Company: Weinberg Mediation Group LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a automated call from Weinberg remediation group on XX/XX/2018 around XXXX. The automated message said I had to call them before my debt they have goes to legal status. 

I called them back and a man answered who continue to tell me that I signed a contract with a credit card company that has a default clause that will kick in if I dont pay them. This default clause allows them to charge me for 4 times he rate of the original debt. I asked if they would be willing to verified the debt. He then very angrily said hes not playing around with and will just report this to their attorneys to take legal action. 

I called back and got the same guy again and asked him to confirm their address to me. My plan was to send them a letter to force them to verify the info. The man then kept avoiding giving me the address, or verifying the one I found online. He then told me I was smart for someone is who in default and that they will be taking legal action. 

After talking to a lawyer, its my understanding its against the law for then to one not identify as a collection agency and to also threaten to sue me. 

After a quick XXXX search it seems this company has been sued multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX. XXXX XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX, amount {$1600.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXXXXXX XXXX opened XX/XX/XXXX ; amount {$45000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX opened XXXX XXXX, XXXX ; amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX opened XXXX XXXX, XXXX ; amount {$4200.00} requested a removal but the company did not comply. 
XXXX. XXXX opened XX/XX/XXXX ; amount {$2500.00} requested a removal but the company did not comply. 

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 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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # ending XXXX XXXX. Account name- XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) # ending XXXX XXXX. Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # ending XXXX XXXX. Account nameXXXX XXXX XXXX XXXX  # unknown XXXX. Account name- XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # ending XXXX XXXX. Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX  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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make and consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-05-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've been getting multiple calls from different numbers. The company calling is portfolio recovery. They call my cell and my house. I used to get letters but i haven't received any lately. The debts they're attempting to collect on are over 10 yrs old. I'd like this harassment to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: Selene Holdings LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ihave been tocourt and also Federal Court regarding my home beginning with XXXX XXXX and XXXX XXXX XXXX Mortgage forclosed on me in XXXX, a fake signature was on the transfer of the loan and I sued and got my home back. While trying to pay XXXX after the recinsion, they contacted me to tell me they did not have my home. I ended up with a collection company, XXXX XXXX, XXXX, and was harrassed an demanding for all back pay.. went back to court and they settled. Got sold again to Selene Finance who I went before a Federal Judge with in XXXX  AL in XXXX.. I was ordered back into the Mortgage and went into a trial pay period of 3 months. I recieved the paperwork that XXXX, and I begin to pay the Mortgage, but I did not sign the paperwork, because it was worded incorrectly. I paid all 3 months and they would not cash any of my Cashier Checks. They silently forclosed on me only with a notice in the paper, would not answer any questions and I mailed a certfied letter to XXXX Texas regarding proving that they owned my home. No answer. I was forclosed on in XX/XX/XXXX. I am still in my home, but I want to know who has my home and why did they not abide by the Federal Judge orders? XXXX Mortgage will not answer neither. I know I am securitized, but no one will comment. Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: CITIBANK, N.A.
State: IN
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: Problem with personal statement of dispute

Complaint:
I was a victim of Hurricane Ian on XX/XX/XXXX. Pretty much everything I owned was destroyed & the whole city of XXXX XXXX, Fl was affected in some way. USPS was no longer delivering mail to my home community. On XXXX I purchased some supplies at Staples totaling {$73.00} using my Staples card, ( which is managed by Citibank ). This purchase was out of my mind until I received a ( XX/XX/XXXX dated ) letter from Citi on approximately XX/XX/XXXX that was forwarded to me by my former workplace to my new home in XXXX, XXXX. Letter stated I was past due, ( 1 ) owing them the {$73.00} ( stmt closing date of XX/XX/XXXX ) ( 2 ) late fee of {$29.00} & {$2.00} interest ( stmt closing date of XX/XX/XXXX ( 3 ) additional late fee of {$40.00} & {$2.00} interest ( stmt closing date of XX/XX/XXXX ) Total amount from 3 statements was now {$140.00}. I never received any of these XXXX statements due to this ongoing disaster recovery period. Upon calling Citi & explaining my situation they did delete the {$42.00}, but said they could not forgive the other late fee amount. At that phone call I submitted payment for {$100.00} ( per XXXX. # XXXX ). I requested they remove this late payment from my credit file due to my unusual circumstances ( have had this credit card since XXXX with a perfect pay history ), but they said it had already been reported to the credit agencies. I submitted a dispute to XXXX, XXXX XXXX XXXX that an amount of {$62.00} past due is still appearing on my credit reports. When submitting the dispute there is a choice of reasons why you were delinquent & mine was " Natural or Declared Disaster ''. ( federally declared disaster # XXXX ) Despite this, Citi has felt they could not retract this negative report they submitted to the credit agencies. I realize my dollar amount is small, but my perfect credit score ( was in the XXXX 's ) has now been blemished. I thank you for helping me get this resolved.

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 2019-07-23
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: Their investigation did not fix an error on your report

Complaint:
XXXX continues to list a derogatory report on a vehicle that was sold in XX/XX/2016 and has not been my responsibility for three years. I have addressed the issue with the company that performed the predatory loan `` XXXX XXXX XXXX '' and am considering joining one of several class action suits against this company. 
The XXXX that they claim that I owe is fraudulent and I want XXXX to delete this account from my record. 
To date ; I have lost Five Job offers due to this and will sue in Small Claims if I can not afford to do anything else with it. 
In my last dispute, I included the proof that I have no responsibility for this vehicle which has been sold four additional times after I sold it as per the department of Motor Vehicles, to no avail.

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 2022-09-09
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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I can give you the CFPB report number.I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report and correct all history and addresses DELETE XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX CORRECT and verify Payment history XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank UPDATE XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX ( only address ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
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:
I hired a credit repair person to fix and repair any errors on my credit report. 

After making contact with XXXX XXXX ... XXXX, Transunion, XXXX, XXXXXXXX XXXX removed an account in good standing that helped my credit score. However, they decided to leave an account that that had late payments but a {$0.00} balance and removed accurate info and original consumer statement. 

Latest dispute resulted in no changes and a generic consumer statement from a pull tab. 

This has unfairly hurt my credit rating as the good account balanced out the current account.

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 2022-09-30
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:
This is pretty basic Prior to Covid 19 credit score good XXXX. 
My graph shows the continuous decline from XX/XX/2020 to now credit score XXXX. 
Iam XXXX and single had to move into apartment and find work no easy task. 
Iam still trying to make rent alone. 
Question : Why can't my credit score be paused at 2020 or at least have a seal stamped on it Covid problem trying to climb out of XXXX. Employers see this score it doesn't look good!!! 
Not to mention I was a first responder during Covid. 
I did get help from XXXX the first round and applied again but was told I need arrearages!?? well, I did not have arrearages because I stopped paying my debts in order to have a roof over my head! ( priority ) Hence my XXXX credit score I just barely make my rent and I don't live in a overpriced situation. 
******I want to have my credit looked at prior to Covid 19 I always paid my bills now it looks bad! ** This is not right!

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: NC
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 have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

7. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXXcount Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account.

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 2019-05-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In late XX/XX/2019, I applied for a first time home buyer 's VA loan. I was pre-approved for a XXXX mortgage based on accurately reported income and liability information. Many mistakes were made by USAA Mortgage through the process and after a month of investment of time and XXXX of my own money, USAA denied my loan application for XXXX due to " insufficient income or a debt-to-income ratio that exceeded their guidelines. Since this denial was based on their error, I requested they reimburse my cost. They ( XXXX XXXX ) refused and told me they were a large enough company to absorb any negative feedback I provided to companies like the Better Business Bureau or Consumer Financial Protection Bureau.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive numerous calls daily to my cell and work phone from Profit service group Collections agency employee XXXX from phone # XXXX. I have verbalized to her collection agency to not call me or my job and that I cant take calls at my place of employment. Also my account is not in collection with that company. The medical account in question is being paid directly to XXXX XXXX medical billing department. XXXX XXXX have also notified Profit service group collection agency to not call me because my account is being collected in their office and it is not in collection.XXXX states that she will continue to call me no matter what. THIS IS ILLEGAL BECAUSE SHE CONTINUES TO CONSTANTLY HARRASS ME!!!!!!!! I HAVE MY CALL LOGS FROM MY CELL AND JOB AS PROOF OF CALLS I RECEIVE BACK TO BACK. SHE WILL HANG UP AND REDIAL MY NUMBER SEVERAL TIMES. HOW UNPROFESSIONAL IS THAT.

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 2019-07-23
Company: Navient Solutions, LLC.
State: NJ
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:
XX/XX/2019 checked personal email and noticed a Navient email from XX/XX/2019 regarding an application for income driven repayment plan. I did not apply. I called and spoke with XXXX at XXXX EST. She stated there were documents that did not pertain to me, my loans, or my account with Navient. I asked that the call be transferred to a supervisor and spoke with XXXX at XXXX EST. He informed me that the call was transferred to him with the incorrect account information ( my not reason for the call ). He got back on the line and explained that the documents of another customer were incorrectly scanned into my account. He stated he would put in a support request to have the invalid documents removed from my account. Is there anything else I can help you with?. I explained that, that was not an explanation and did not make me feel less concerned as my own documentation is in my account and Im not sure whats happening to it at this time. I requested to speak with another supervisor. The call was unable to transfer so I received a call from XXXX at XXXX EST. I informed her what was going on and she stopped me mid sentence to verify my identity. This is the FIRST time Ive verified myself during this process ( which I did let her know ). She said this is a serious issue that records and documentation are NOT being verified when being uploaded to customer accounts- when being received by fax. Online uploads have a time stamp. I asked if this wouldve been caught had I not called being concerned, the answer was no since it was already an accepted application posted to my account. It wouldnt have been able to process the app, but there was no way to follow through in the duration. I did tell her there are serious repercussions of this, had I not informed them of their mistake. This girl was requesting INCOME DRIVEN PAYMENTS!!!! Im not sure what her situation is, but had it not been processed and accepted, this could have defaulted her accounts ; in turn, affecting her credit report. XXXX apologizes and thanked me for my effort, and was grateful to me for the other customer. She also said shed make a follow up call to maintain communication regarding the documentation being removed. I did ask that she upload the documents to the correct customer account. What I am upset about is XXXX, whos meant to be a supervisor, wanted nothing to do with this call. Did not want me to voice my concerns. Did not care how I felt regarding VERY sensitive and personal information pertaining to mine and an entirely separate persons account. I expressed my disappointment in XXXX to XXXX ; again, sensitive and personal account information. Reiterating that my identity was NOT verified, I am extremely concerned with how documentation and application processes are being managed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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