BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-05
Company: Collection Associates, Ltd.
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:
Dear Consumer Financial Protection Bureau, I am writing this dispute in reference to the attempts of an unlicensed collection agency, Collection Associates LTD, to collect a debt from me. This agency has been harassing me with frequent phone calls and letters, and I believe that their actions are in violation of both state and federal laws.

Firstly, according to the laws of Florida collection agencies must be licensed in the state in which they are conducting business. I have reason to believe that Collection Associates LTD is not licensed to operate in Florida. 


Additionally, I have reason to believe that XXXX XXXXXXXX XXXX has violated the Health Insurance Portability and Accountability Act ( HIPAA ) by accessing and using my personal health information to collect the debt. I did not give Collection Associates LTD permission to access this information, and their unauthorized use of it is a clear violation of HIPAA. 


I am demanding that the CFPB take immediate action to investigate Collection Associates LTD for their illegal collection practices. I believe that Collection Associates LTD has engaged in unfair and deceptive acts in violation of the Fair Debt Collection Practices Act ( FDCPA ) and HIPAA.

I request that the CFPB take all necessary steps to halt Collection Associates LTDs illegal collection activities and to ensure that they are held accountable for their violations of both state and federal laws.

I hope that you will take swift action to address this matter and to protect my rights as a consumer. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX reported late payments on my credit report and without consent, that continue to affect me buying a home. Reporting my transaction history is against my right according to 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 1 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; MY RIGHTS ARE CONTINUOUSLY VIOLATED BY THIS COMPANY AND I HAVE NOT BEEN GIVEN PROOF, AND ACCOUNT AMOUNT CONTINUES TO CHANGE/NOT SURE IF IT IS ALL ACCURATE.

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 2022-10-01
Company: PNC Bank N.A.
State: NJ
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:
Good Evening this is a continued problem that PNC Bank and I have. The problem is application of over payments and reporting incorrect balances on credit report and continuously reporting late payments on my account. XXXX my credit and outright refusing to fix it. They come up with every excuse in the book as to why they did what they did and act like their investigating my disputes and I never ever hear back from them. I want the late payment from XXXX and XX/XX/2022 removed and I also want balance updated. My evidence is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX, XXXX, XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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

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 2019-07-31
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My initial student loan with ( Sallie Mae-Navient ) started on XX/XX/XXXX. Since that time Ive struggled financially to repay this loan. Navient steered me towards forbearance options early on from XXXX. So the initial amount of the two loans were {$27000.00} and XXXX. 

In XXXX I was told that there was no more forbearance left. I asked for affordable payments based on my income. I got enrolled in a repayment plan in XXXX. However, my student loan balance had doubled. Since that time I keep having to do Repayment plans that are only increasing more debt on the loan. The repayment plan is supposed to be from XX/XX/XXXX to XX/XX/XXXX. After 10 years of payments this is ridiculous. This loan should be forgiven. I owe a little over XXXX with interest accruing every day. 
I hope something good can be done to help struggling borrowers like myself with these debt wrenching loans. I feel like I was misled regarding these payment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the American Express Blue Cash Preferred card on XX/XX/2019. I signed up after clicking an internet link that I believe promised the following terms : A. first year annual fee waved, then {$95.00} thereafter B. A {$300.00} rewards bonus after I spent {$1000.00} with my card in the first three months. 

When I contacted the company via their website chat feature, they said I was eligible for neither of these terms. They said they would open an internal investigation and that was it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 30 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not XXXX percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of Last Activity/Date Opened/High Balance/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,

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 2018-11-06
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw a collection from Receivable Management on my credit report. It doesn't state who the original creditor is. I don't have any outstanding debt. 
This agency never contacted me or anything. They just put this on my credit. I disputed it with them and requested for them to remove it from my credit. They never responded. I also requested in writing for them to validate that I owe this account and the original creditor. They just ignore me, but they continue to report it on my credit Receivable Management is not licensed or bonded to collect in my state

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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Inquiries that were not authorized by me and that even though I have asked TransUnion Consumer Solutions to remove them from my credit report, they have not done so to date 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX is continuing to furnish inaccurate information to the credit bureaus that they were ordered to remove last year pursuant to the settlement agreement with the attorney general 's office. my credit report currently reflects an auto loan as charged off opened XX/XX/2017 and closed XX/XX/2017 balance {$13000.00} XXXX continues to ignore their responsibility in this matter and has maintained this disputed account as accurate. they are violating both Federal and state laws. I demand accountability and action to resolve this matter as I am being harmed as a direct result of their failure to comply with the law.

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 2015-03-23
Company: SYNCHRONY FINANCIAL
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/XXXX I purchased a hearing aid from XXXX XXXX of XXXX XXXX. My payment loan was through XXXX. Late last year, XX/XX/XXXX I learned that XXXX XXXX had sold his company. Apparently XXXX sold or transferred my account to Synchrony Bank. XXXX XXXX did not inform his clients he was going out of business. XXXX did not inform me my account had been transferred to Synchrony Bank nor did Synchrony Bank they acquired my account. In the meantime a payment in full due date had arrived. With the passing of that due date Synchrony Bank now wants a {$500.00} penalty fee. Synchrony Bank attempted to contact me via e-mail several times. However, in this day and age of identity theft, etc. I do n't respond to email from unfamiliar parties. Thus, I did not respond to Synchrony Bank. At least not until the XXXX or XXXX message. That is when I learned about the sale of XXXX XXXX and the transfer of my account. No one, not XXXX XXXX nor XXXX nor Synchrony Bank sent me any notice of the changes. I do not feel as though I should have to pay a penalty of {$500.00} plus late fees for a situation about which I knew nothing. 

Please advise, Thank yiou

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 was not late on my accounts, I wonder why XXXX, report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX   XXXX, XXXX CARD XXXX, XXXX   XXXX, XXXX XXXX, ..I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the inaccuracy from my report 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 explanation
Consumer complaint received 2023-05-08
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I was transferred from XXXX XXXX to Specialized Loan Servicing. Since the change, I have had a constant issue with Specialized Loan Servicing. I didn't even receive a " welcome letter '' until XX/XX/XXXX, where they demanded I owed {$11000.00}. I filed a complaint against them and magically the amount was reduced to {$4700.00}. The company also added a {$20.00} fee thats just titled " Fee Billed '' on XX/XX/XXXX. When I called on XX/XX/XXXX, I was told this was because my home was assessed, yet they don't have a report listed nor was I contacted about any assessment that would be performed. 

I also applied for the IL Homeownership Assistance Program where I was approved. On XX/XX/XXXX, the program wire transferred {$5700.00} to Specialized Loan Servicing to bring this account current. 

The practice SLS performs are predatorily and they should NOT be in business. They are known to take over loans that have potential to foreclose if the property has equity and they can make a quick dollar. This company is worse than 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 2023-05-08
Company: THRIVE MORTGAGE, LLC
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The company offers those program where you get approved for an interest only loan to purchase a new home, then they turn around - usually within a few months and do a refinance to a conventional loan. I was in a bind and feel the broker took advantage of the situation left an enormous amount of details out. Essentially, I had to pay an exorbitant amount of fees, multiple closing costs, 2 mortgages at once and none of this was disclosed and the beginning or near the end. When this was discovered they offered little to no explanation. In retrospect this practice seems predatory and deceptive. Again, I feel if they informed me of the terms before the process started, I would declined using them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
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 have been going back and forth for several months with disputes with XXXX regarding my 2 accounts with XXXX   which are both being reported inaccurately.  On XX/XX/2018 I submitted an online dispute with XXXX, XXXX XXXX XXXX XXXX, GA XXXX for both of my accounts with XXXX   requesting an investigation into the matter.  I stated to them that the XXXX accounts were being inaccurately reported.  Although in this latest dispute and my request for written verification per the FCRA, XXXX is still listing both of the accounts as being 120 days late.  They are still stating that the accounts are verified and accurate without providing me with the proof I requested on XX/XX/2018.  Both accounts were paid in full and transferred so how can they be 120 days late?  Why does XXXX refuse to provide me with the written verification?  All they are doing is prolonging this action plus causing unnecessary negative marks on my credit report.

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