BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PennyMac Loan Services LLC incorrectly calculated my mortgage payment last year to not include property tax. When they recalculated for this year they realized their error and added on my property tax bill from last year and the one for this year, causing my payment to almost double. I called them and they agreed I was diligent about sending them my tax bill as soon as I received it and paying my bill on time. The best they could do was disperse the old tax bill across payments but this still has caused my mortgage payment to increase almost {$300.00} more a month than last year 's monthly payments. They sent me a letter saying they would look into making this payment smaller yet but that they needed to talk to me in person and told me to call a woman name XXXX XXXX, Priority Complaint Specialist. I have called and left a message on this woman 's machine 4 times. I have never been able to get a hold of her. She has only attempted to call me one time at the beginning of XXXX and it was during my work day. I have since called her back, during work hours, 4 more times and left messages with my name, loan number, complaint number, and telephone. She has yet to return any of these. This has been left unresolved for so long that I 've had to make the almost {$300.00} more a month higher payment which has obviously been a tremendous burden on my budget. This company has messed up my loan, literally the biggest investment in my life, that I have very little confidence in their ability to remedy this problem and in their ability to not create another issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute an inaccurate inquiries listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX & XXXX XXXX XXXXXXXX

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an open end consumer credit plan as late for 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 2022-05-25
Company: Experian Information Solutions 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 information incorrect

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge accounts. I ask that the 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX Opened : XXXX : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}. showing on my credit report.

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 2022-01-07
Company: Telsa Motors Inc
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I ordered a XXXXXXXX Tesla XXXXXXXX XXXX on XX/XX/XXXX. I paid a {$250.00} deposit. I was leasing a XXXX XXXX XXXX, purchased on XX/XX/XXXX. My goal was to trade in the XXXX for the Tesla, which I received approval to do so from XXXX. I received a Trade-In Offer for my XXXX from Tesla for {$29000.00} on XX/XX/XXXX, good for 30 days and no more than XXXX addition miles being added to the vehicle. I had XXXX miles on the vehicle as of XX/XX/XXXX. On XX/XX/XXXX I received an email from Tesla saying that my VIN was available. I received another email on XX/XX/XXXX to schedule my Tesla delivery appointment, to which I scheduled for XX/XX/XXXX. I received a new Trade-In Offer from Tesla on XX/XX/XXXX for {$30000.00}. My payoff quote from XXXX was {$26000.00}, giving me a net trade-in value of {$4200.00}. I took delivery of my new vehicle on XX/XX/XXXX, signing all applicable documents to include the Motor Vehicle Purchase agreement, Delvery Declaration and registration documents. I opted to apply the {$4200.00} towards the loan which is being financed by XXXX. I noticed approximately 2 weeks after I took ownership of the Tesla, my XXXX account was still showing that I had an account balance an a payment would be due. I called and spoke with representative who told me Tesla had not sent them complete payment and still owed nearly {$10000.00}. I asked how much was quoted to Tesla to buy out my vehicle. However the rep refused to disclose this information to me saying he could not tell me that information. He assured me that I would not be responsible for the payment and suggested I speak with Tesla to expedite payment. I immediately called Tesla, where I was told that XXXX gave Tesla a quote of {$26000.00} to buy out my vehicle 's lease. This rep assured me that they sent a total payment. The next day, my account balance was resolved with XXXX. Today, XX/XX/XXXX, I received an email from Tesla 's finance department stating that I had an outstanding shortage amount on my trade-in account for my XXXX XXXX. I was requested to make an immediate payment of {$9900.00} or failure to pay would delay registration and send the account to collections. I have included all applicable documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain 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 explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, 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:
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer
reporting agency may make any 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 seven years.

15 U.S.C. 1681s-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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Mid-Minnesota Management Services, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I've been getting numerous phone calls from many different phone numbers. They all call saying they are from a company called Central Resources. Every time they call they won't tell me what it's about and they ask me to reveal sensitive information like they are trying to steal my identity. On XX/XX/23 they called me and said they are going to forward my information to a lawyer and sue me if I don't answer their questions. Calls began around 4 months ago. I wasn't even aware that I owed a debt to someone, let alone for medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: AMA Advisors, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I used a company called the XXXX XXXX, XXXX. to help me with a mortgage " Adjustment '' after having issues with my lender 's payment process. My loan ID was incorrect and payment was " denied '' and considered " late ''. I sought out help to possibly get my mortgage adjusted and become current. I was told NOT to communicate with my lender directly and to send ALL mail received to the XXXX XXXX. I was asked to make payments of {$870.00} for the next 3 pay periods, of which I made these payments to the " XXXX XXXX ''. The process has taken over 3 months and now I have received a letter from my lender stating that they will not do any mortgage adjustment or forebance for my mortgage and that I must pay {$9700.00} + late fees within 16 days or I will be Foreclosed on. I can catch up on this mortgage if given another month or so, and plan to make a payment of half of the total balance due by XX/XX/2018 of {$5000.00} and will have issues trying to get together the additional ( approx ) {$5000.00} by my next pay day on XX/XX/XXXX, of which I will be an additional {$1800.00} past due. I have asked for more time, and have been denied this request. I have equity in the home that would more than cover these amounts, however after being scammed by the XXXX XXXX, I'm simply left with no time to recover.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently viewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/13 Balance : {$0.00}. Please remove this fraudulent account ASAP.

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 2018-11-14
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Attached is the summary of my Case that was processed by Chase bank escalated cases group and they could not solve the issue. 

Following are the contact persons from Chase bank that I visited 8 times so far : XXXX XXXX ( Branch Manager ) Phone : XXXX XXXX XXXX XXXX ( Personal banker ) Phone : XXXX XXXX XXXX XXXX ( Assistant Vice President ) Phone : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this tuation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all iformation associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXXXXXX Collection {$0.00} XXXX  XXXX Collection {$240.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$240.00} XXXX XXXXXXXX Charge-off {$0.00} XXXX  XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXX XXXX Charge-off {$690.00} XXXX XXXXXXXX Charge-off {$400.00} XXXX XXXX XXXXXXXX Charge-off {$1700.00} XXXX XXXX Charge-off {$0.00} I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 
1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: JPMORGAN CHASE & CO.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase closed all my credit card accounts back in XXXX. The reason stated was excessive dispute amount. The fact that XXXX cancellations were still a thing was completely ignored by Chase. Upon speaking with a representative, who identified as a supervisor and called me to explain the reasoning, I was assured I could always apply in the future, and this decision wouldn't have any impact on my future applications. I applied once again and on XX/XX/XXXX I was approved for a Chase Sapphire card with a credit line of {$21000.00}. Today, when attempting to use my card for the first time, Chase Customer Service informed me that it had been closed due to bank policy on excessive dispute amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XX/XX/2022 I contacted Equifax in regard to my name being displayed on my credit report as XXXX XXXX 1. I was advised to send in a copy of my drivers license and social security card to have this information updated to reflect my correct name as XXXX XXXX. 

On XX/XX/XXXX I filed a complaint with the CFPB in regard to Equifax reporting my name incorrectly. On XX/XX/2022 Equifax responded : PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, DRIVER 'S LICENSE AND/ OR AN OFFICIAL DOCUMENT TO UPDATE YOUR NAME. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 

On XX/XX/2022 I faxed Equifax the required documentation which included a dispute letter, my driver license, my social security card and copy of my passport XX/XX/2022 I sent Equifax the same information AGAIN ( which included my drivers license, social security card and copy of my passport. 

After sending in the required documentation that they advised and listed on the response to my initial complaint Equifax has continuously refused to update my name to report correctly on my credit report. 

I am attaching several PDF documents which include the Equifax fax confirmations and the response letters sent back to mt from Equifax after sending in the required documents to update my name correctly and their response showing that thy are STILL reporting my name incorrectly as XXXX XXXX XXXX. 

XXXX XXXX states that only verifiable and true information be reported. Equifax is reporting unverifiable and untrue information. My name is XXXX XXXX. I do not have a number behind my name. My name on my birth certificate is XXXX XXXX, my name on my drivers license is XXXX XXXX and the name on my passport is XXXX XXXX in which Equifax has several copies of this documentation. 

Equifax is in violation of the Fair Credit Reporting Act. The proof is attached. 
I am requesting {$1000.00} per violation for each month since XXXX when I first sent in the required doumentation to have this information corrected.

Company response to consumer: Closed with explanation