BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 violalod my federally prolecied consumer rights to privacy and confidontiality under 15 / USC 1681.

| 15 U.S.C 1681 section 802 A. States I have the right lo privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account wilhout my writlen instructions 15 U.S.C 1681c. ( eX5 ) Section Slates : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adve Hem of information, olher than records of convictions of crimes which antedates the report by more than seven years. 

Inquiry XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hi    XXXX   got my wrong date of birth from some sources.     To correct it I have sent  two  documents  ( DL & SSN ) to    XXXX   on  XXXX   XXXX .     They confirmed over the phone they will update withi n 48 hours but after even one week they have not updated my DOB their customer service has no tractability about all the docu ment and they are completely clueless why they have not updated my DOB.       As a result, a result whoever need my credit report they are geeting wrong info and I completely screwed up.     Please help me to resolve this issue ASAP.     With Thanks  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 2017-05-13
Company: Trident Asset Management, L.L.C.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had contacted  XXXX  about providing high speed internet at my house. They charged me then subsequently found out that they could not provide this service at my address. Naturally, they told me that I did not owe anything and yet somehow they continued to send me bills and eventually sent the bill to collections. I have had repeated conversations with  XXXX  where they say they have no record of me owing any debt, yet the debt continues to hurt me on my  credit score. Ple ase help as I am trying to purchase a house and this debt not owed is impeding my ability to get the best rates that I deserve.     Thanks.

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 2023-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My first loan payment {$510.00} was due XX/XX/. I Bank of America bill pay and payed the bill on XX/XX/. Today is XX/XX/, and the payment still has not been processed. Called BOA and the associate stated it will be several more days until processed and I will have a late charge. I believe this to be malicious just to get the late charge or they are just that incompetent

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 2018-06-01
Company: Finance System of Richmond, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ive tried to explain to XXXX XXXX i am XXXX i get extra help because im XXXX.i have three types of insurance to cover everything so this is fraud i have XXXX XXXX and medicaid   .this is simple and plain out fraud.and as i understand Virginia law this is past three yrs of original date.so that would mean they are violating the fair debt collection act an all chapters of it that may apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: ACI Worldwide, Corp.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a bill that is not mine from ACI for XXXX. I don't have a XXXX credit card so I should not have to pay {$980.00} under reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2023-04-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PennyMac Loan Services LLC hired XXXX XXXX XXXX XXXX to act as their Attorney to attempt to threaten and XXXX me into compliance. XXXX XXXX XXXX XXXX. issued out a letter dated XX/XX/2023 which states " XXXX XXXX XXXX XXXX. is a debt collector. We are trying to collect a mortgage debt held by PENNYMAC LOAN SERVICES LLC ''. Under the heading How you can dispute the debt? it has two separate responding point " call or write to us by XX/XX/2023 to dispute all or part of the debt. If you do not we will assume that our information is correct. '' " If you write to us by XX/XX/XXXX XXXX, we must stop collection on any amount you dispute until we send you verification of the debt. '' Under the heading " What else can you do? '' " Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/2023, we must stop collection until we send you that information. '' I responded back via certified mail on XX/XX/2023 they received the mail on XX/XX/2023 at XXXX. They never responded even with being given the 10 day response time window I again responded via certified mail dated XX/XX/2023 verifying that I did respond I a timely manner and did not receive any response therefore the matter must be closed due to their default. They received that document via CERTIFIED mail. Again XXXX XXXX XXXX XXXX. never responded. On XX/XX/2023 XXXX XXXX XXXX XXXX. illegally and falsely filed a Civil Action for Foreclosure proceedings. They never sent responded or even acknowledged any of the documentation sent, and they never sent out any proof as they said they would if my response was sent in a timely manner. This illegal action has caused major hardship and has disrupted my family. It has destroyed my credit and made if impossible for me to function.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: PA
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:
Credit acceptance was delete off my transition because they were not reporting the same information to XXXX and Equifax and that is a discrepancy and calls for the account being deleted. XXXX and Equifax shouldve followed suit because of the Discrepancies found.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: Sierra Holdings LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I sent payoff to my finance company which cleared my bank on XX/XX/18. It is now XX/XX/2018 and I have yet to receive a title, paid in full letter, nor release of lien. I have contacted the job several occasions just to get told the same thing, its already been sent out in XXXX. I have XXXX had an issue with receiving mail from this company and AFTER my check was received, Ive not only received a XXXX monthly statement ( even tho it showed {$0.00} owed ) since then, but also a refund of about {$13.00} in which XXXX claims all documents were sent out together with refund and it confirms that I have no issue receiving mail. They are continuously giving me the run around about my title and paid in full/ release of lien even tho I have requested on multiple occasions to have it resent or to send it to my email. This is ultimately the worse finance company Ive ever did business with considering this is my 2nd CFBP complaint within a year!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Account status incorrect

Complaint:
Im filing this complaint again and I will keep filing this complaint as Experian Is fraudulently reporting XXXX XXXX credit card account being managed by a debt management company which it is not. This account once again was filed in my XXXX XXXX as of XX/XX/2020. So again they need to fix this account and remove the comment off my report as well as being reported as a recent delinquency or I will contact my lawyer that filed my XXXX XXXX and make them aware that you are not reporting the information correctly. Experian along with these other credit reporting agencies need to be shut down because they never have all the same or accurate information on a consumers report and the government keeps letting these companies get away with fraudulently reporting information especially when it involves my interest rate that I will have to pay for my credit terms. They better fix it or I will notify the news and have them broadcasted for fraudulently reporting inaccurate information. I will continue to file a dispute everyday all the until it is fixed

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 2023-01-13
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2018-10-28
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed a complaint about this company XXXX and nothing was done about it. Their actions, fraudulant or not are the reasons why many students are in debt and unable to repay their loans because they do not provide solutions. I'm currently struggling to pay rent and other utilities while this company despite the number of complaints persists. It is amazing how this company is allowed to service federal loans and not offering solutions to resolve issues. I believe this loan taken out by my daughter, not me as I am a XXXX is a total sham maniupulated by XXXX College out in XXXX XXXX added to which my daughter left the school for health related issues long before her sophmore year began. These people do not cooperate and are not helpful in anyway or manner. They do not provide hard copy evidence or proof of the loan or supply you with physical hard copy mailings because they don't want to spend the money and purposely withhold information so they can keep the interest rates high to the point you'd have to starve yourself so they can get richer. It is a complete disgrace that they are allowed to service people who can not afford their unreasonable demands and have damaged my credit score because of it. I will not tolerate this any longer and I will file a second complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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:
I send this complaint to inform you that this is the several time I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.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  This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.

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 2019-06-11
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX sold my account or transferred my account to PHH mortgage services. 

I received a letter end of XXXX. In XXXX I would have to start making payments to PHH. In XXXX and XXXX I struggled to bring my account current. 

In XXXX I went to pay at XXXX XXXX but my account was not merged to PHH. 
I paid to ocwen and the fee was set to {$16.00} as to {$2.00} per transaction. 
On the statement it said I pay {$590.00}. 
My Property tax is {$2500.00} and school tax with star program is {$1800.00} and Insurance is {$640.00} total of {$5000.00} escrow {$420.00} Now PHH has put the mortgage payment as XXXX escrow at {$490.00} total in 12 months {$5900.00}. 
over $ XXXX Not only that my account has not been updated in the system and have charged me for inspection and also sent a notice of additional escrow. 
I have been in this house for 17 years. 
I think it is fair to be told how they come up with that figure of {$660.00} stop the threat calls and robo calls. 
False escrow calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: Credit Protection Association, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed an account with  XXXX  in  XXXX   XXXX  due to moving out of their service area. The final bill was paid and  XXXX  confirmed at the time of closing that no amount was owed.     I received a notice dated  XXXX   XXXX ,  XXXX   (  14 months after the account was closed ) of an attempt to collect a debt by  " Cre  dit Protection Association  XXXX LP '' (  CPA ) at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , Texas,  XXXX . They claimed  XXXX  had turned over the amount of {$210.00} for debt collection. This is the exact amount of the final bill which was confirmed paid when I closed the account.     I called  XXXX  and they said if a debt was owed, I had to deal directly with the collection agency. When I said I had proof that the final balance had been paid, they said it must have been paid after the account was closed and already turned over to a collection agency. I asked for some kind of proof that it had been turned over, and the  XXXX  agent said she would n't have that in her file ; I had to talk to the collection agency.     I called CPA and they said to clear the debt I had to submit a copy of my bank statement showing the debt was paid. When I said my proof of payment was to  XXXX , they said I needed to talk to  XXXX  directly and should ask for a supervisor. I did not submit any bank statement to CPA as I was beginning to suspect this was a scam.     I called  XXXX  again and asked for a supervisor. They said : 1 ) they do not work with CPA ; it is not an agency they use for debt collectio n 2 )  no debt was owed when I closed the account and they never turned any amount over to a collection agency  3 ) t hey were flagging my account for possible fraud and notifying their own fraud protection unit that I had been targeted  4 )  they recommended I submit this complaint I have now received a second debt collection notice from CPA and believe I am being targeted for a scam or have been a victim of identity theft. Aside from the lack of an actual debt and the fact that  XXXX  does n't use  CPA, there are typographical errors on the collection notices and the envelope has a generic file number,  all of which point toward a non-reputable practice.

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 2023-11-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On today, XX/XX/2023, I called my Bank Wells Fargo to find out why I am unable to make any online payments or transfers and was finally told that they decided to close my bank account on XX/XX/XXXX so there is currently a hold on my account. I asked why this is happening as Ive never had any issues with them since becoming a customer the beginning of this year and I was informed only that it was an executive decision that they can not disclose to me the reasoning of why. When I asked if I could go to a branch to withdraw my money ( {$290.00} ) they told me I can not do that and I have to wait until they close my account on XX/XX/XXXX and I will receive a cashiers check in the mail within 2-3 weeks. I obviously can not wait that long for access to my own money as I have bills to pay and other responsibilities that are coming up. It is completely unfair that not only did they never contact me about this decision ahead of time, but that there is no explanation as to why AND I cant have access to my own money for that long. If someone could please help and contact me I would more than greatly appreciate it. Thank you in advance for your help and time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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:
I recently looked over my credit report and I noticed some inaccurate accounts that are reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of those accounts. I also have no understanding of how or who could have access to my credit. Now because of this issue, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have these derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on thebehalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
I demand that the following accounts listed on attached document be removed immediately.

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