BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
Company: American Student Assistance
State: MS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, I ( XXXX XXXX ) entered Into a consumer credit transaction XXXX, ( American Student Assistance ) became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, XX/XX/ I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this American Student Assistance has violated many laws according to truth and lending & FDCPA .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I have attached my invoice and License.

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 2022-09-13
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PenFed became the servicer on our mortgage in XXXX. Since that time, our loan was established with an Escrow account. They have never paid our Homeowner 's insurance yearly premiums or our Flood insurance yearly premiums. They have paid only 1 of the tax payments due on our property. I have been paying these premiums. They also require that my husband and myself set up individual accounts with their credit union. We are not interested in banking with this credit union so have not funded these accounts. 

I have spoken with their Escrow Dept. many times in order to tell them about the insurance and taxes not being paid. I have also conveyed to them that I paid these accounts and for them to update their system and reflect same on our mortgage loan. 

In XXXX, XXXX after repeated attempts to get them to comply, I filed a complaint with their Board of Directors. I have been communicating by email and mostly by phone, as they want all conversations recorded. A Senior Mortgage Servicing Loan Care Specialist has been my contact at PenFed since I filed this complaint. 

About 10 days ago, I was no longer able to access my mortgage loan information online. Penfed says on a pop-up after logging in that I do not have an account with them. This morning I was told that unless I fund the credit union accounts, I will not have access to my mortgage information online. I asked that I go back to receiving paper statements and that Penfed cancel my payments through their automated system and I will handle direct payment to them due on the first of each month. 

What Penfed is doing is damaging and illegal on many fronts.

I requested that Penfed no longer escrow funds monthly since they are not able to make the insurance and tax premium payments. The loan care specialist is working to have the Escrow account closed and funds remitted to us.

Please investigate PenFed Credit Union and PenFed mortgage servicing.

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 2021-04-13
Company: EQUIFAX, INC.
State: TX
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:
accounts not mine : potentially negative icon Potentially Negative StatusCollection account. {$320.00} past due as of XXXX XXXX. 
Account TypeCollection Balance {$320.00} Date XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$3000.00} Date XXXX Dispute XXXX XXXX XXXXXXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1800.00} Date XXXX Dispute Account Name XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$650.00} past due as of XXXX XXXX. 
Status Updated XXXX XXXX Balance {$650.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$650.00} Highest Balance {$0.00} Terms 1 Months On Record UntilJun XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Time Share Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$2400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$17000.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$270.00} Original Balance {$16000.00} Highest Balance {$0.00} Terms NA Payment History

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent out letter and credit report from other bureaus of the deleted information that they are reporting on my ( XXXX ) I sent in the deleted documents that they keep coming back wrong for XXXX for bankruptcy still XXXX not giving me any documents to where they claim the info come back verified 60 days later nothing change the accounts are Defamation of of my Character and not helping with Credibility I will like the to delete this

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY A

CC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2021-11-12
Company: GOLDMAN SACHS BANK USA
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2021 : I received a notification that Apple/Goldman sachs closed my apple credit card with no information or notice. When I contacted support they were unable to provide any information other than my account will be reviewed within 5-7 business days and I would hear back. 

XXXX : After not receiving a response or any information I contacted support again only to be told my account was still under review and they were unable to provide any further information. I was told again It can take up to 5-7 business days.. 

XX/XX/2021 : Contacted support for a third time. This time I was given a phone number an advised that I would need to call a specific team to discuss my account. 

I called XXXX to be told my card was closed due to expected fraud. I have never experienced fraud nor have I ever used my account in a way that violated the agreed to terms. They explained that they received a fraud report. This is when I realized that my husband had disputed my apple account on his credit report. I had shared my Apple Card with my husband to allow him to use the card on his phone as well. I was unaware that sharing access meant the card would be reported under his credit report. 

During this time my husband and I were refinancing our home. Our mortgage broker indicated we would get a better rate if he removed my Apple Card from his report. My husband when to the credit agencies to have this removed. He selected the option that indicated that it was NOT fraud but that the card belonged to a family member and that he didnt want it on his report. 

I explained this to Apple on 2 or 3 separate occasions. I offered to provide documents to prove who I was and that my husband did not intend to close my account. 

XX/XX/2021 : I contacted and asked to speak with the fraud department. I explained the situation again was again promised a callback from a supervisor and that my issue was escalated. I was given a 24-48 hour turn around but again no one called. 

I have tried repeatedly to contact Apple/Goldman Sachs to resolve this issue and reopen my account but have experienced extremely poor service. This is a newer account that is carrying a balance. Closing the account summarily will effect my credit. I would love to continue being a customer and having access to my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I repeatedly asked for evidence from Equifax, XXXX, and XXXX to support their reporting, but yet again, they failed to provide me with a copy of any viable evidence submitted by the Bankruptcy courts substantiating their claims, which is an additional violation of The Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe that they are acting in bad faith, and have not complied with the FCRA. I have attached proof from the courts that they do not provide any information to credit agencies. And I have maintained records of all actions. The agencies claiming to get information from a court, when its actually obtained from an unnamed 3rd party that could be easily be considered false information on my report. I repeatedly requested for the Bankruptcy be removed from my report because it is an inaccurate unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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:
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.. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Date Opened : XX/XX/2018 Balance : {$9200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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:
I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2018-11-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased all 3-credit reports from XXXX, XXXX and XXXX after being denied lending for a home loan in XXXX of this year. I sent a validation of debt letter to Portfolio Recovery Associates, LLC ( PRA ), XX/XX/XXXX requesting them to validate the debt within 30-day or delete the account from all credit bureaus. 

In return, on, XX/XX/XXXX the company ( PRA ) just sent me a letter/ bill for {$3900.00}. The letter also stated the account open date of XX/XX/XXXX for XXXX XXXX XXXX. 

On XX/XX/XXXX I sent a follow-up letter to PRA stating that the letter sent to me was not proper validation of debt per FDCPA. Again, I requested for them to delete this account from all credit bureaus. I did not receive any further correspondence or validation of debt from PRA. 

On XX/XX/XXXX I sent a final notice providing them proof of inaccuracies ( inaccurate balance, inaccurate payment history, inaccurate open date and no notice of dispute placed on my credit reports. Also, reminding them of the violations of not validating the debt per FDCPA. I demanded that they remove this account within. 

This company is blatantly violated my rights, purposely held my credit hostage and  hindered me from purchasing my new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Information belongs to someone else

Complaint:
XX/XX/202XXXX XXXX  XXXX name this account was opened fraudulently this not my account please remove

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 2022-09-13
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted an employment contribution form showing I work at a qualifying employer. My form shows I started employment on XX/XX/2021 and it continues to present. Fedloan Servicing decided to rob me of credit for XX/XX/2021 and XX/XX/2021 and list my start date as XX/XX/2021. When I called them last time it took two and a half hours to reach someone and they did not resolve my issue. I would like Fedloan Servicing to do their job of properly counting my payments. It is worth noting they still have not given me credit for XXXX, but this is a new complaint about how I am being robbed of credit for other payment periods.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2014 Comenity bankXXXX XXXX account was paid off and closed XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Information belongs to someone else

Complaint:
XXXX/XXXX/XXXX  XXXX  this account was opened fraudulently this is not my account please remove

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 2023-01-12
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Do LVNC founding company threatened me placing debt collector on my credit report with out notify me about this matter I requested full disclosure an sign documents saling my personal information to uptain founds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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: Investigation took more than 30 days

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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 2023-09-19
Company: EdFinancial Services
State: NC
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:
On XX/XX/XXXX, EdFinancial cashed a XXXX dollar check I had sent them to pay off/be put towards XXXX loans. My first loan was from XXXX and amounted to XXXX. My second loan was from XXXX and amounted in {$13000.00}. I sent explicit instructions for the loan from XXXX to be paid off and then the rest of the amount to be applied to the loan from XXXX, ideally before interest restarted. Instead of doing this, EdFinancial applied the whole check to the first loan, which now has a balance of XXXX. Clearly this is not correct, and I have called EdFinancial at least XXXX times, sent them numerous emails, and attempted to use the chat with a representative function ( which has never worked ) in the last several weeks. None of these avenues have ever resulted in reaching a representative or being contacted back. At this point, I am not really sure what to do because I have wasted hours trying to get this resolved. EdFinacial has essentially stolen XXXX from me and is keeping it hostage somewhere without applying to my other loan. Any help in either getting this money sent back to me so I can write them another check or getting the money applied correctly would be more than appreciated. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX {$37000.00} ; 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 non-monetary relief