BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
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: 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 Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2020-04-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I began refinancing an existing loan with PennyMac in XX/XX/XXXX. We closed on the refinance on XX/XX/XXXX. As a part of the refinance agreement, I was not required to make a payment on my new loan until XX/XX/XXXX. However, shortly after closing, I received a notification from PennyMac that my XXXX payment was late. I contacted PennyMac to get clarification about the notice and was informed that the notification was sent before the closing and that I was not required to make any payment until XXXX, as previously stated. On XX/XX/XXXX, I received a notification from my credit monitoring service indicating that a late payment had been reported against my credit by PennyMac. I reached out to PennyMac to find out the cause of the " late payment ''. After multiple calls over several days and hours spent on the phone, a customer service representative finally discovered the issue. The customer service representative informed me that during the refinance process, someone at PennyMac made a mistake which resulted in the original loan remaining unpaid while a new loan was added to the property. The late payment that was reported against me was for the original loan which should have been paid off by PennyMac during the refinance. PennyMac 's  representative informed me that they would be paying off the original loan, eliminating any fees, mailing me a letter to explain their mistake, and contacting the credit bureaus to correct my credit report. 

I have reached out to PennyMac on an almost weekly basis since XX/XX/XXXX to follow up on their progress with these action items. Each time I have spent an exhausting amount of time explaining the situation to a new customer service representative only to find out that no actions have yet been taken to issue me a letter or correct my credit report. Although the original loan was finally paid off, I have not received a letter from PennyMac and my credit has been negatively impacted for almost 6 weeks now. I filed a formal complaint through PennyMac 's customer service regarding their general lack of urgency and the absence of communication throughout the process, but have still not received any response. 

I have given PennyMac every opportunity to rectify their mistake and I believe I have been relatively patient. But my family and I are in the process of moving to XXXX XXXX and I will not be able to receive a favorable loan for a new property until my credit is restored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31
Company: CITIBANK, N.A.
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:
In 2012 there was a Macys card opened under my name which I never authorized. I had been asking Macys to remove this card from my credit report and close the account as it was not me yet they have refused to do so. The account is still showing under my credit report as a charge-off when I never authorized them to open an account in the first place. I would like this account fixed and removed from my credit as it is causing problems and negative remarks under my 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 non-monetary relief
Consumer complaint received 2021-05-28
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have been working with chase card to dispute a charge because XXXX charged me for non satisfactory reservation that was canceled due to unethical compliance from their side and to the fact that they provided a reservation that is very awful and the agent was fraudulently giving information. 
I tried to dispute the charge and have been going back and forth between XXXX and Chase one pointing to the other. 
I took every step to cancel the reservation professionally and decently but both Chase and XXXX are lying to me and not taking my concern seriously. I provide all necessary pictures and communication to proof the fraud and sent all texts and emails to both companies to show how the seller had or is fraudulently trying to rent us a messed up room and make the money off the scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX sold an invalid debt to Midland Credit Management and now Midland Credit Management is threatening to sue for this debt. I never opened this account, never authorized this account or had any knowledge of this account. I was first made aware of the situation when it first appeared on my credit report in XX/XX/XXXX. The account showed that it was already XXXX  days past due even though it was not reported on my credit reports in previous months. I then did research and learned how to dispute the false account. In XX/XX/XXXX, I mailed multiple dispute letters via certified mail to XXXX requesting they remove the account and provide details and statements so that I could better challenge this debt. I did not receive any of the requested information from XXXX I challenged the information directly with the credit reporting agencies and after their investigations, all XXXX deleted the fraudulent account from my credit files in XX/XX/XXXX. 

XX/XX/XXXX this account resurfaced on my credit reports as a collection account by Midland Credit Management. I received a notice dated XX/XX/XXXX from Midland Credit Management that threatened to sue me if I did not pay by XX/XX/XXXX. I have filed disputes with Midland Credit Management thru their website and sent a dispute letter via USPS today. I have also challenged this account thru the credit reporting agencies. I don't have confidence that they will correct this issue in a timely manner ( if at all ) since they are so quick to threaten legal action. I ask that you intercede to right this unfair collection action by both XXXX and Midland Credit Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020 I called Capital One at XXXX and requested to speak with an account manager. XXXX I.D. # XXXX   identified herself. I explained to her, very kindly and politely, that the school that my wife worked for was closed due to the COVID-19 government mandatory Stay at Home order and therefore her income was severed and basically ended. Because of this, her credit card payment was short. Capital One charged her an interest fee of {$35.00}. I kindly requested if they would please waive the interest due to the fact that my wife 's hands were basically tied because of no fault of her own. XXXX answered unmercifully - NO Capital One will not waive interest due to COVID-19. XXXX stated very clearly to me that Capital One 's policy when it comes to the pandemic is absolutely no interest forgiveness. I explained to XXXX that it was not fair for Capital One to be playing hardball at this time because in actuality the bank was taking advantage of the situation of people having zero income and yet the bank still charging the high-interest rates. The truth is that in all honesty, the original terms of the credit card agreement should be null and void because at the time of the original agreement there was no such thing as COVID-19 and the Stay-Home-Order and therefore nobody could have foreseen this coming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: JPMORGAN CHASE & CO.
State: CO
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:
I traded in my vehicle and was told to not make any more payments to my old vehicle because the loan would be paid off from the new vehicle purchase. However, the transfer took to long apparently because i got a late pay put on my report. i have tried to resolve the issue since it was no fault of my own and was actually told not to make a payment because it would be handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
USAA makes paying my vehicle loan payment very complicated since my bankruptcy was XXXX. I chose to keep that loan and its current. They make me call in and jump through so many hoops every month just to make a payment. Now they apparently got a new system and there is an error and they cant accept my debit card payment. My bank doesnt do bill pay and I dont have or use checks. They expect me to pay for a money order and postage just to make a payment. This is their fault and their error. Why should I pay for it, or have to go through so much just to pay? They made me verify identity 5 times, transferred me 5 times, disconnected the call once, now I have to wait at least 2 days to talk to a supervisor. I wasnt aware that random people paying your bill was a problem. This is ridiculous and unacceptable! This isnt my first issue with this company by far. 26 years of membership and this is how they treat members!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Synovus Bank
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Prepaid credit card. I sent {$200.00} for a {$200.00} limit. On XX/XX/20, I sent an additional {$100.00} to increase my limit to {$300.00}. Card still shows {$200.00} limit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX of 2017 Bank of America closed all of my checking and savings account due to fraudulent activity. Someone contacted me in reference to a loan the person or company deposited several strange checks into my account by accessing my online banking I had no idea this was being done until the day after I checked my account and was able to see the images of the checks. When I seen that they had other people 's names that I did not recognize on them and written out for things such as Rent and bills I called Bank of America immediately to find out what was going on. They informed me that they were going to investigate and find out how to this happened and where it came from. they never did contact me but when I did contact them to find out how the  investigation was going they told me they were deciding to close my accounts I assumed it was for my protection being that this person had my banking information. Now this year I later find out the account was closed based on fraud on my behalf I'm guessing since it is in my report, when I was the victim. I would like something to be done about this because it is reporting to other agencies as if I have committed acts of fraud which I have never been a part of. Also I did have the feature to protect me from fraud attached to all of my accounts that I paid an additional fee for. This information should be reinvestigated and removed from my reports the information is false and defamation of my character.

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 monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or delete the following items in my file immediately : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 read over my credit report and found that some of the data were incorrect. These items must be verified by the XXXX and TransUnion Credit Bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting items as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following items that require investigation and correction for inaccurate reporting in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 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 2019-01-31
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX was a service we had back in XX/XX/XXXX- XX/XX/XXXX. We moved from XXXX county to XXXX XXXX and when we moved their services did not cover our new area so we stopped services at no charge. When we moved we took the cable with us however we kept having problems with service and connection and their prices we called in and because of our issues the rep agreed to have our cable cancelled and we would not be charged anything because we were not happy with services. He just told us to make sure we turned in all equipment so we do not get charged for it. We sent it all in and called to verify they received it and they told us we had no balance and we went our own ways. Now XX/XX/XXXX we live in Texas and I received an alert on my credit for a collection account for XXXX $ we have never received anything in the mail in the last 3 years. I called the collections and they told me that I will be paying it very rudely. I am so upset because they have damaged my credit when we are trying to qualify for a house and we never received any calls emails or letters regarding the debt that we do not even owe. We were assured as long as we returned the equipment we would not owe anything and now we are being told different. That is not fair and very unwthixal and we we're hoping to establish a new service with XX/XX/XXXX when we bought our home but after this I am definitely disappointed and want this issue 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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'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 non-monetary relief
Consumer complaint received 2018-04-18
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
EOS CCA calls me every single day, sometimes multiple times a day. They claim I owe roughly {$35.00} and that they are collecting on behalf of XXXX. 

I did not trust it to be true at first, so spoke with XXXX and they have no record of ever passing my account on to this agency, especially since I am still a paying customer of theirs on auto-debit. 

I have asked them to stop calling me and continually block every number they call from, but still call from different numbers like I mentioned every day. 

They open the call by telling me that it will be recorded, and then say my name and try to confirm my address. I do not confirm my address with them, but it is very troubling that they have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Balance Owed XXXX {$270.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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