BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
So this is a closed account it clearly shows charge off. But at the same time its says open. But I says amount due zero. But its open seams to mean that this is an inaccurate reporting. And it shows no last due which would mean it should show current. This is an inaccurate reporting and this account either 1. Needs to be deleted totally from my credit all there agencies or 2. Shown as current all the way across the board. Either way they are being allowed to report inaccuracies on my credit which is gendering my credit. Please update or remove.it says date opened was XX/XX/2021 that is incorrect as I do have one with them that is current. Please have them to supply you and me with documents that I signed this account to be open on the date that they have reported. It does not exist

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 2023-04-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I was issued a refund check back in XX/XX/XXXX for a vehicle accident that took place, after being put at fault for this accident that I did not cause I was told that I was to schedule receive a refund check for a reimbursement to get another vehicle. The check was delivered in XX/XX/XXXX to my previous address, this check was then stolen and my name was fraudulently forged and misspelled on the back and this check that was cashed in XX/XX/XXXX at a XXXX XXXX atm machine, the next day it shows that the funds were approved and released. Who verified the names match the account and released the money before further investigating After filing several complaints, and police reports, and speaking with multiple individuals to get this rectified, I finally received a fraud statement claimant on XX/XX/XXXX I was told this would take approximately 90 business days before this was settled. 

Today 's date is XX/XX/XXXX, the 90 business day period has now passed, and every time I reach out for an update I am still being told that this is still in " progress '' status. Nobody can tell me anything else or when I should expect my payment from USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been approved by XXXX XXXX XXXX XXXX XXXX for a credit card balance of {$1000.00} I have had the card and have been using the card responsibility for XXXX months now, yet, they have not reported the account to XXXX, Transunion and XXXX Credit Bureaus at all. Please have them ( FIRST PROGRESS ) report this credit card account to XXXX, Transunion and XXXX Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

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 2021-02-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
I previously notified you that I am a victim of identity theft, and requested that Portfolio Recovery do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

Yet they have failed to take action or provide written documentation such as a signed contract bearing my real signature that I have ever had any contractual agreement with them. I have ever done business with this company or any company they represent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am truly delighted to share my valued customer service experience with PennyMac Loan Services to any and all potential clients/customers/victims. 
I am inclined to believe that PennyMac must be the clone or recent descendant of the flawed XXXX XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX. 
The lack of live voice communication is overwhelming the initial mortgage loan application began on Wednesday, XX/XX/2021, with a chattery, enthusiastic loan officer. Who ended our conversation with the acceptance of my money for an appraisal fee and the salutations of a used car salesman, never to be heard from again ghosted. 
Twelve days later ( XXXX ) I had an appraisal ; 4 days later ( XXXX ) I received the official report/results of the appraisal. There had to be another XXXX  takeover of PennyMacs communication system, cause I still have not heard a whimper from the loan officer or his compatriots. 
To finally put my mind at ease and solidify my confidence in PennyMac, my emailed messages have gone unanswered and my initiated phone call was vague at best. My loan officer did not remember me; denied receiving any emails and promised to call me back the following day with an update. Needless to say, I sit by the phone with bated-breath, awaiting that long overdue phone call.

My long-suffering contempt for PennyMac is justified for the following reasons : 1. I have been
a loyal, well-standing customer for the past 4 years.

2. I have never missed a payment nor have I been late for a payment.

3. The equity in my home exceeds {$120000.00} 4. My XXXX/credit score exceeds 740. 
5. My loan application to refinance with a cash-out was to facilitate a revamped bathroom ; needed to accommodate my recovery of a total XXXX XXXX and advanced age. 
I fully understand why PennyMac Mortgage Loan Services is not included in the Top 5 List of Mortgage Loan companies, not even the Top 10. This is a fair warning Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Previous complaint never properly resolved. Overcharged {$71.00}. Merchandise either defective or provably undelivered. XXXX acknowledged the total failure and gave a {$7.00} shipping credit. An admission of wrongdoing. I received a letter from Discover saying the account is closed. Now a week later they are billing me for the totally bogus ILLEGAL charges and applying interest. Discover isn't clean as well having spuriously charged me {$30.00} on a " returned check fee '' when I wrote no check and had some problem getting Discover to recognize a new bank account. The ILLEGAL FRAUDULENT THEFT charges will never be paid.The account has been closed and I am NOT RESPONSIBLE FOR ANY DISCOVER FICTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/XXXX Regional Acceptance Corp reported to all three Credit Bureau 's erroneous information that favored them. I financed a vehicle for {$17000.00} and on XX/XX/XXXX my vehicle was taken from my apartment complex without warning or any type of written/verbal communication. After repossessing the vehicle I did not receive any documentation and they proccessed to sell the vehicle in a auction without notice and did not inform me of anything. I had to call them to find out what was going on. For several months they wrongly reported the original amount and cause me severe fianiacial hardship. In an attempt to ensure I am in complaiance I reached out to Regional Acceptance Corps for the 1099-C since I never received it and it was charged-off. I am seeking justice for all of the 4 years of mental and financial damage due to malpractice.

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 2021-04-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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:
XXXX XXXX XXXX AMOUNT DUE {$420.00} OPENED XXXX XXXX, 2021 XXXX XXXX AMOUNT DUE {$3100.00} OPENED XXXX XXXX, 2021 THESE ACCOUNTS WERE NOT OPENED BY ME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher Collections is trying to collect a debt that is not mine. I have contacted them numerous times to inform them of this error. I have never signed an agreement with them or the institution which they represent identifying this is debt attributable to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a refund from EdFinicial and they told me it would take 150 days or around 5 months for the refund process to go through. This is unacceptable as other providers get refunds back within a month. They are taking advantage of people and trying to push refunds passed the date of the current pause. Please do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
It is listed on my credit report that a XXXX  XXXX bankruptcy was filed. I have communicated with the courts and they have stated that no information has been verified with them in reference to this information. They do not give this information out at all. I have contacted the bureaus and asked them to provide me with the documentation that they have received from the courts to verify a bankruptcy and they still have not done so.

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 2023-04-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted the credit bureaus to ask for them to verify all accounts on my credit file. They stated that all is accurate. Upon further research on my part, there are some invalid information. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # 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 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've been going back and forth on numerous occassions with Equifax, XXXX and XXXX regarding Bankruptcies placed on my credit report. ref # XXXX and XXXX. Based on the letter I received from United States Bankruptcy Court XXXX District of XXXX  stating that it does not provide information to credit reporting agencies. Due to Bankruptcy cases information being available for any interested party to review. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They need my written consent to add anything to my consumer report. I didnt give any permission nor consent or authorization for this action to take place on my consumer report. This is a violation to the Fair Credit Reporting Act. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, No adverse items besides the conviction of crimes should be on your report, any items that is a derogatory mark is not allowed into consumer reports this is another violation. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-14
Company: EQUIFAX, INC.
State: NJ
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:
As of XX/XX/2023 XXXX, Equifax and XXXX corporations are reporting inaccurate and unverified information on their public database without my expressed written consent. On XX/XX/2023 a dispute letter was received by each company however none of the derogatory reports have been deleted or removed. Since I have the right to have access to extension of credit, I am submitting a complaint against the above-listed companies for the harm incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There were fraudulent charges when I last called American Express to XXXX. I contacted the fraud department last on XX/XX/XXXX. My credit card information was hacked as was my XXXX account with the credit card connected to it. Several more charges continued after XX/XX/XXXX. A separate credit card was sent to me and the fraudulent charges still followed me and negatively affected my credit score report. After the next time I called, American Express said I didnt pay the credit card membership fee and I had already paid it for the original card. It was against their policies to open a new account without my verification. Atonement still occurred. The transactions do not pertain to my diligent accounts as a cardholder as I paid off my credit card in timely matters before the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received multiple phone calls and letters from an attorneys office that reports that they are acting on behalf of TD Auto Finance. The letter from TD Auto Finance/XXXX XXXX XXXX is very threatening and intimidating as they are stating Under Georgia Law I must pay this debt within a certain amount of days and will be responsible for attorney fees and interest if not paid. This has caused a tremendous amount of stress to my ongoing health and have no knowledge of this debt.

Company response to consumer: Closed with non-monetary relief