BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was wrongfully repo'ed about 1 year ago or so. It took them 7 to 10 days to return my car back to me with no apology or reimbursement for being without a car to get to work or around. The lack of customer services was embarrassing and upsetting. No one wanted to listen to me or help me. I was put in a loss prevention recovery department and never taken out once the mistake was found and corrected. Every time I call in, I get transferred around a few times, the reps act like they can't hear me speaking and hung up on me. This has happened exactly 15 times since the wrongful repossession. I have never been put back into a paying as agreed customer. So now when I call me they demand full balance, even though the repo was there fought. When I go online to review my bill, no information is there because of the repossess in error. Never correct and that is a consent reminder of how terrible this company really is.

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 2023-12-22
Company: Mutual Management Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MUTUAL MANAGEMENT SERVICES is falsely reporting on my credit. I have never had any accounts with them. Per my research MUTUAL MANAGEMENT SERVICES is a debt collector. They are falsely reporting to my credit! 

I AM A VICTIM OF IDENTITY THEFT, I HAVE NEVER STAYED THERE ... I ATTACHED A COPY OF MY FTC REPORT IN THE LAST COMPLAINT AND YOU IGNORED IT! 
I WILL BE CONTACTING THE ATTORNEY GENERAL IF THIS ACCOUNT IS NOT DELETED! 

ACCT # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have attempted several times with the credit bureaus asking for method of how they claimed to have verified these accounts for they are not mine. However all I can ever seem to get from the credit bureaus is what appears as a template letter just saying was verified. 
In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ACCOUNTS : XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I brought a home XX/XX/2021 for XXXX at 95 % LTV so the loan required MI and Taxes/HOI to be escrowed. 

However, since the home I brought was a fixer upper I immediately invested over 100k in. 
Contacted lender and they advised that I had to have an appraisal ordered and completed by them to verify the new value, so I paid for the appraisal with pennymac and the new value came is at XXXX ; which puts me at LTV at 70 %. 

I resubmitted my request for MI to be removed and escrowed to be removed from my monthly payment. MI removal was denied twice and after multiple request they finally remove removed the MI ONLY. 

HOWEVER, they denied my request to remove escrows 6 times despite telling me to pay for the appraisal through them and still deny my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Bull City Financial Solutions, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bull City Financial has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, XXXX hardship and suffering through loss of XXXX  and XXXX. 

I was told by Bull City Financial that the item would be deleted if I paid. I did and the account is still being reported. 

Account information below : Account number : XXXX Date Opened : XX/XX/2017 Original balance : {$160.00}. 

I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Failing to honor the deletion of the account after payment was made in full. Account has been re-aged. 
Negligence. 
Unfair business practices. 

have suffered several financial and emotional damages due to this account. I demand to get the account removed from my records. I give you a deadline of 30 days to delete the account from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Hello-I would to submit a formal complaint with TransUnion, the consumer credit reporting agency. Due to recent identity theft, I have an account with TransUnion and my credit report was on 'freeze ' with them. I came to learn that someone ( fraudster ) hacked into my account and lifted my credit freeze on two occasions ; XX/XX/2023 and XX/XX/2023. According to TransUnion, a person logged into my online account and lifted the credit freeze ( twice ) but that was the only information they provided me. I don't understand how someone can just hack into an online account without TransUnion password nor my e-mail password. ( When you log into TransUnion, there is a 2 step verification/ authentication where a XXXX  digit numeric code is sent to your e-mail from TransUnion , but I didn't receive these codes on both occasions ; XX/XX/2023 and XX/XX/2023. ) I'm think this can be an inside job? I still want answers around who hacked into my account and how they can prevent this going forward. When you call in, the TransUnion representatives always asks me and other consumers their Social Security No. 's ( full XXXX digits ) and other personal information when you try to resolve issues with them. This is a big concern as I have experienced a security breach and the fraudster tried to open numerous credit cards ( XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX ) during this time period. 

I had a very similar experience with XXXX, where they told me that someone ( fraudster ) called in and lifted my 'credit freeze '. How can this be possibly done? XXXX did provide me with a confirmation no. XXXX. 

This is a serious matter. The companies and letting fraudsters unfreeze credit reports. I am not sleeping well, and restless thinking that someone can hack into my account anytime and unfreeze my credit report. Please help me, thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I submitted 2 dispute2 with TransUnion. The first dispute regards an account with XXXX XXXX XXXX. That account was closed in XX/XX/XXXX. Given the fact that accounts can only remain on a credit report of 7 years after the date they are closed, I indicated that the account should no longer be reported. 

The second dispute regards an account with XXXX. The account information states that the estimated month and year that this item will be removed is XX/XX/XXXX. It's important to note that TransUnion selected that estimated date of removal. 18 months have elapsed since that date. 

On XX/XX/XXXX, TransUnion informed me that they had reviewed both complaints and that both accounts would remain on my credit report. They gave no explanation or justification for their decision.

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 2021-07-16
Company: Experian Information Solutions Inc.
State: NJ
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 noticed a few collections and hard inquiries on my credit report I do not recognize

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 2018-09-05
Company: AES/PHEAA
State: PA
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:
I have twice submitted for employment certification for an employer who refuses to acknowledge my time working as a XXXX XXXXr. The first time, I requested it be investigated by CFPB, and the following paragraph was the company 's response : " The XXXX we received from you on XX/XX/2017, and which included several XXXX to prove your employment as qualifying during the time periods you listed, has been processed. Regrettably, we can not fully complete and certify the timeframes you listed. The dates must be in a Month/Day/Year format, with the day being exact or, if this information is unavailable, your closest possible estimate. '' I therefore resubmitted, correcting the Month/Day/Year format, and it was once again denied. This time, the denial letter explained that there was missing information section 4, and that the organization was still operational, and therefore an official must certify. It is true that the organization is operational, however, they have refused to certify. The box I checked includes the terms " refused to certify, '' and therefore I believe that this form was not given adequate consideration before being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

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 2019-06-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I assumed fha loan 1989 XXXX XXXX bank sold to XXXX who approved for modification pay went from 600 to 300 interest rate down 3.5 % now sold to chase need to pay a month late husband past offer me  modiication first so good why not but how low can go never had refinance second mortgage interest rate paid down to principal 30yr coming up modification approve only incentive XXXX saving on note i felt scam worst part get call ask if i want second loan insured what 2nd loan 25yr never believe second loan call chase explain since note current had pull XXXX out show past due so where is XXXX on back end i see no c hange 30 pay drop now i am stuck with brand new loan 30yr fixed 2nd mortgage no worry you no sell you no pay not accept took 2yr they sorry for 2nd mortgage once see i wont stop call ch 2 new everyone who listen claim small error gave me letter say really owe about XXXX i ask why scam mod was told 5yr dexuct XXXX from principal stall tactic now agent no longer work gave me false incentive i assume XXXX loan try make me pay 60yr so u fair start my mission all over i never refi modification is to enhance your plan i did not need 30yr i was at end i feel scam XXXXyr old never wil see deed help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive always had trouble getting things in my name, never understood why. 
Im just now learning how this credit stuff work so as I logged in my experian account I see a closed navy federal account for {$21000.00} on my report. I dont own or bank with navy federal at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There Is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

TransUnion LLC Attn : Consumer Relations Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Intent to File Lawsuit for Violation of the Fair Credit Reporting Act ( FCRA ) I kindly request immediate removal and blocking of XXXX XXXX XXXX XXXX XXXX and the handling of my credit information by TransUnion. I expect that necessary steps will be taken to ensure that my credit reports are accurately reflected and that any false or misleading information is removed without delay. 

Please consider this letter as a final opportunity for TransUnion to rectify the situation in a fair and equitable manner. Failure to do so will leave me no alternative but to proceed with legal measures, seeking remedies for the damages sustained as a result of these ongoing violations. 

I anticipate your prompt attention to this matter and hope for a swift resolution. Please acknowledge receipt of this letter within 30 days. You may contact me at the above-mentioned email address or phone number if required.

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX I challenge the accuracy, compliance and reportability of this listing.I contacted creditors and was informed that these accounts were not verified. 

There are no contracts, no valid claim ... accounts were settled with original creditors grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow ... 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of 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 2022-10-31
Company: EQUIFAX, INC.
State: MO
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: SYNCHRONY FINANCIAL
State: FL
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:
XXXX - XXXX seller, I had to refund 4 buyers, depleting my checking account. 
XXXX - PayPal launches a series of XXXX donation debits destroying my checking account XXXX {$1200.00} XXXX fees. PayPal & Synchrony Bank were impossible to connect with. XXXX hours on hold w a hang up & more horror stories trying to just get a human to stop the flood. 
XXXX - Kept fighting - get an address from helpful third party customer service contract employee who is afraid to give her name. 
XX/XX/XXXX- sent letter to XXXX XXXX w 2 money orders. They lost one {$250.00} and cashed the other {$150.00} to the wrong account. XXXX XXXX - XXXX XXXX ' XXXX XXXX ( exec. assistant ) calls me and apologizes but I am still out my car and {$1200.00} in fees not counting payments/ penalties ( I will attach letter if I can ). He gives me private number so I can again if there is a future problem. 
XX/XX/XXXX- sent all as due but they return the original money order. I resend that to the PayPal Pay in 4 address and they send it back XX/XX/XXXX - receive the money order again- with note that I can only pay my Pay In Account XXXX by linking my bank account to PayPal. 
XX/XX/XXXX - receive a letter from Synchrony that ( because I was late paying a couple of days ago in XXXX first week never before & only late because I am trying to figure out how to pay the Pay in 4 account ), they have lowered my credit and ruined my credit rating. Called XXXX XXXX and XXXX XXXX XXXX no success. All out of the office. Called a bankruptcy attorney at Legal Aid and hope they respond as they say next week XXXX - XXXX - XXXX. Please help me. I am now hungry.

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