BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX XXXX CRD # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section A section 2 : It also states i consumer reporting agency can not furnish an 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 2022-03-05
Company: Velocity Portfolio Group
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving letters and a voicemail message from XXXX offering a discount on a debt of {$2500.00} that needed to be taken care of. They said they were issuing a XXXX against me. I had no idea what the debt was for so I went to the website and found that it was a debt that my ex-husband incurred several years after our divorce was final XX/XX/XXXX, XXXX XXXX, TX. 

I found the case online and stated that it was not my debt that I had been divorced since XXXX and requested they cease and desist contacting me for a debt that I did not owe. 

In less than 2 weeks they called my husband 's phone and requested to speak with XXXX XXXX ( my ex-husband 's name ). They said they were collecting a debt that I owed and he gave me the phone. 

I informed the woman on the phone that it could not possibly be my debt because it happened several years after my divorce. I only know that because I asked her what year it was from. I informed her that I had a voicemail from her company stating that they would report me to the credit bureau and IRS. She said that her company does not ever threaten to do that ( see attached folder ). I also requested that she send me some proof with my signature on it for the debt they were collecting. I have not received that from them, just papers to fill out for fraud. I can not fill out fraud papers if I do not know what the debt is for or if someone was impersonating me in the mid XXXX. 

They have refused to listen to me or address my request for proof of a debt that is over XXXX XXXX XXXX. Unfortunately I am tied to that man since I was married to him from XXXX to XXXX. After some research I did discover that he died in XX/XX/XXXX. I have had no contact with him since the divorce and do not know what happened in his life since XXXX. 

I do know that the debt is not mine. I had to pay off his tax debts for the last 2 years of our marriage because he would not file his taxes. 

I have received no proof that my name or signature was ever on that debt. It is not on my credit report and this company needs to be reported. I am attaching a transcript from the voicemail that stated they had filled out a 1099C tax form.

Fraud forms sent to me are from XXXX XXXX XXXX XXXX showing creditor as Velocity Investments , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Notice of default and opportunity to cure. 
Official statement from XXXX XXXX XXXX to TransUnion XXXX and XXXX credit services This is a follow up and legal document in pursuit of lawsuit versus Transunion XXXX and XXXX credit services. 
All companies were notified in the month of XXXX XXXX XXXX XXXX XXXX and XXXX Of fraudulent accounts reporting on the credit profile for XXXX XXXX XXXX. The following account XXXXXXXX XXXX late payment, XXXX XXXX and XXXX XXXX was all fraudulent reported as of today, the only company that has removed some of the accounts is trans union, they have removed all accounts except for XXXX and XXXX 
XXXX and XXXX have refused to remove all fraudulent accounts. 
The consumer XXXX XXXX XXXX has been forced to move Forward with legal action this is a notice for evidence and an opportunity to cure. 
All agencies and companies have 14 days to remove the fraudulent accounts from the credit profile of XXXX XXXX, XXXX or comply with legal action. 
Please be aware that All credit agencies Has failed to properly respond to previous legal notice and it's officially in commercial default. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh 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 2022-11-29
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Predatory Servicing- NewRez LLC XXXX ShellPoint Mortgage Servicing XX/XX/XXXX XXXX sent XXXX Notice of Intent from ShellPoint to foreclose. First attempt was XX/XX/XXXX. 

Trial and Final Judgment dated XX/XX/XXXX and dismissed with prejudice. 
Shellpoint ignored final judgement details for XXXX years and now is creating a new default date " to be in compliance '' with a judgement of XXXX  years ago. In doing this after XXXX years- which they could have done long ago- they have now created a new default date on an offer I was never offered and a much larger amount due from XXXX years ago. 

Missing payments- never applied for XXXX  years ; abusive and deceptive servicing Fabricated delinquent dates XXXX  in an effort to foreclose on a default I never had in the first place. I spent thousands of dollars of legal fees for over XXXX years trying to get the judgment enforced. In those XXXX years no one ever adjusted the balance or credited the payments I paid and have cancelled checks for nor offered me any payment plan as they should have over 6 years ago. ( XXXX years previously with another servicer ) Please see attachment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage payments with Loan Depot have never been late nor missed. Until XXXX, our payments were made through an electronic debit from our banking institution. Payment for XXXX was posted and processed. Payment for XXXX was processed as a second payment for XXXX, which I was initially told my banking account was closed. I received and sent verification my account was active and never closed. Since the XXXX payment was posted as a second XXXX payment, it has been showing our mortgage is one month behind. I have ongoing emails, expressed mailing and faxed verification to rectify this problem. My bank account has been active since XXXX. Verifiable transmittal reports for XXXX and XXXX, and check tracer numbers for XXXX and XXXX have been submitted. Loan Depot continuously call and harass us even for the XXXX payment, which was paid via on line and show posted from checking account on XX/XX/XXXX. Again, I have sent the check tracer numbers and have continuously tried to show my account was never closed, nor were there funds reversed or my payment refunded back to my account. XXXX and XXXX mortgage payments have been made. XXXX payment was sent expressed mail and noted specifically for XXXX payment, yet Loan Depot processed it as XXXX 's payments and now our account reflect our XXXX payment is due when it should not be. All payments have been processed, we never missed a payment, my account has never been closed. I have continuously been receiving collection calls after requesting to speak with supervisor with Loan Depot. Verifiable payments, banking transactions and statements shows active account with confirmation of faxes with documents from my banking institution have all gone unresolved. My mortgage is not late, never have been. The error is : The mortgage company processing department applied the XXXX payment to XXXX 's payment which had already been received and processed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: SC
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 took a look at my credit report and noticed SEVERAL accounts that are collections, charge offs, opened and closed and none of these belong to me. The personal information was incorrect. There was two addresses used, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX and XXXX XXXX XXXX XXXX SC XXXX that are not mine. There are employers that was incorrect, like XXXX XXXX 
There is a {$4700.00} amount on there for a auto loan that IS NOT MINE!!!!! 
There is a {$720.00} amount on there for a personal loan that IS NOT MINE!!! 
There is a {$1200.00} amount on there for a collection to XXXX XXXX XXXX  that IS NOT MINE!! 
There is several other things including inquires that I did not authorize or even have any recollection of. 
The freaking list goes on and on. 


I demand these be removed immediately!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am reaching out due to investigation not being conducted on these accounts. Also nothing has been sent any information via mail. Have been sending dispute letters and the have not been put under investigation which is a major violation of the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX saying meets fcra requirements when the open dates are completely different and the last active dates. 
XXXX XXXX XXXX XXXX XXXX ACCOUNT LISTED XXXX HAS NO ACCOUNT NAME LISTED A HUGE VIOLATION WITH FCRA. 
XXXX XXXX  These accounts have not been investigated in months. I know my rights as a consumer and will enforce all the way through. Attached are disputes that I have sent over the last few months with no response.

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 2021-03-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We bought a new house in XX/XX/XXXX using the mortgage company with 5 % down and a PMI payment called XXXX XXXX Mortgage XXXX based XXXX CO, which was an absolute nightmare. ) The mortgage was sold to XXXX in early XXXX. On XX/XX/XXXX I made a huge payment to bring the XXXX below 78 %. As a courtesy I contacted XXXX to let them know that the loan was now below 78 % and that they were required by law, and by contract to automatically remove the PMI. XXXX XXXX Mortgage XXXX had advised us to do this, since we were selling houses and would have money to pay the mortgage down. They also said we would get a lower interest rate if we had PMI to start the mortgage. ) Note there will be another huge payment in the upcoming days/weeks. The first response from XXXX was I would need to contact them in 14 days to remove it. Note : By law and contract they are to automatically remove it. I don't actually need to ask them to, because it went below 78 % XXXX of the original purchase price, not 80 %, in which I would need to ask them. I let them know that they were required to automatically do it and I did not need to tell them to do it. They then told me that they can take 30 days or more to remove it, which could mean I pay PMI at least XXXX month more than I am required to since the loan is now below 78 % XXXX of the original loan amount and considering the real estate market in XXXX the value has not gone down. I also requested in writing that they provide me a complete list of all organizations that regulate them. They said I should sent my complaints to their compliance department and refused to provide me a list.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, on XX/XX/23 I received a text message concerning if I was trying to make a {$760.00} transaction at a XXXX XXXX XXXX stating reply yes or no I then replied no. The number that texted me that then sent me a text stating that I will be receiving a call regarding the transaction that someone was trying to process. I received a call then I let them know that I dont know who or how someone was trying to make a transaction because my card was in MY possession at the time. It was very suspicious to me. I told the agent from chime that I dont allow anyone to use my card nor do I give anyone my information to my account or card!! I was on the call for over an hour trying to see what was goin on and they were able to go into my account to see and they told me that I needed to delete the app and reframe from logging into my account for that day and that they were going to give me a call the next day to let me know whats going on. I did not know wether to believe them or not because it was unusual for them calling me. but I I then reframed from logging in until the next day. On XX/XX/23 Wednesday night, I received a call from the same agent and same phone number from the day before, around the time my deposit was being deposited. I had a deposit hit to my account from my job ( the same time I always get my deposit ) I started to notice transactions were immediately being made. I called the number back to back to back to back to back they would not answer me. I started to get worried about my funds and immediately looked up chimes number and the number I was on the phone with was not the chime support number on the website. I then got in touch with an agent from chime they told me that I was possibly speaking with an anonymous scam chime. She said that she would place my account on hold and restrict all activity being made through my account. I told her I wanted to file a claim for the disputes. I filed 3 claims. The agent told me that I would receive an email regarding my claim ID numbers. I received those. The next day I received an email stating that one of my disputes were closed and denied those funds that were made. I immediately called chime back and asked to speak to someone higher up that can help me reopen and get my funds back to me! They said that the only way I could contact the investigation part was email. So I then emailed them, I sent photos attached to the email showing them my evidence of the transactions on my account. Its XX/XX/23 and I am still getting those disputes denied for I dont know what reason because I did not whatsoever make those transactions! I would REALLY appreciate if someone could help me with this and help me get the money I earned back into my account! I dont know what else to do because chime is not being very helpful at all. Please please help! Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 I requested, and I asked for Validation of the debt. Portfolio Recovery Associate have ignored numerous attempts to properly and legally validate the account. Portfolio Recovery Associates has reported delinquent information to the credit bureaus, I am demanding that this information be deleted from XXXX, XXXX and XXXX. I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done Business with this company. I want this removed from all 3 credit bureaus files. No validation has ever been received by the credit bureaus for proof of this. I sent letters to Portfolio Recovery Associate in response to a notice sent to me. My notices were sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809b that I disputed their claim and requested validation.

My letters were not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named, Title and Section. I respectfully requested that Portfolio Recovery Associate provide me with competent evidence that I have any legal obligation to pay them. 
I asked for and as required by law to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

I never received a copy of a signed contract as required by law. This company in which I hold no contract with nor have received services. This business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I DEMAND they remove the marks from my credit reports XXXX, XXXX and XXXX. Portfolio Recovery Associate placed these marks on my file before any proper validation was confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In 2016 Company called but wasn't able to verify the debit was mine or the proper documents needed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Rozlin Financial Group, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XX/XX/2023 RFGI ( Rozlin Financial Group, Inc. ) Collections emailed me claiming that I have a past due balance of {$120.00} for an XXXX account. 

To the best of my knowledge and records, I have never opened an XXXX account nor held an XXXX account. 

I responded to RFGI 's email on the same day ( XXXX XX/XX/2023 ) telling them they were in error, that no such account exists or existed, and that further efforts to collect on this fraudulent claim may be considered in bad-faith and result in appropriate legal action. 

On XXXX XX/XX/2023, RFGI Collections emailed me again, still claiming that I have a past due balance of {$120.00} for an XXXX account. 

Neither email listed a contact phone number, so I looked them up on XXXX and called them directly at ( XXXX ) XXXX. They refused to give me information unless I gave them my name. Wary that this might be a phishing scam, I refused and offered instead to give them my email address which they used sent the alleged notice to. They refused to look up the issue with that information. 

I then hung up and responded to the email demanding that they verify the debt in accordance with 18 USC sec. 1692g ( b ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: DE
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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I have paid my auto 3+ years and 2 credit cards 2+ years on time without any lates. Pay off credit card balances every month. Why are all 3 bureaus still showing fico under 600?

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