BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-30
Company: CreditNinja Lending, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I tried to do business with Credit Ninja in attempt to receive a consumer credit transaction. Credit ninja denied me services. I then proceeded to email Credit Ninja and inform them that I am in fact the natural born consumer, and I wanted their financial facility to assist me in extending me a line of my personal consumer credit. I explained that pursuant to 15 USC 13, they were not to discriminate between consumers. Also pursuant to 15 USC 13 ( e ) they have to offer like services to purchasers on equal terms. Credit Ninja used my personal information without my prior consent, which is a violation of my privacy, in order to discriminate against me. I demand that I am treated as any other natural living consumer who has rights that protect them under federal law. Credit Ninja is in fact a dead entity that doesnt have the power to credit anyone. They can just act as creditors by extending consumers credit from the source, which is the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX  XXXX  XXXX Balance : {$190.00} XXXX  XXXX Balance : {$17000.00}

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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX - Account # XXXX XXXX5 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 2017-05-04
Company: Aargon Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company reporting negative accounts that are not verified and not mine

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 2023-06-03
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:
In accordance with the Fair Credit Reporting act XXXX accounts In accordance with the Fair Credit Reporting act XXXX accounts, XXXX XXXX XXXX XXXX  XXXX has violated my rights :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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have 5 mortgages with PNC Bank since XX/XX/XXXX, in XX/XX/XXXX I refinanced all 5 loans. I originally had impounds for property tax and insurance but had the insurance portion removed due to errors caused by PNC paying 2 insurance companies and not discovering any problem until I reviewed my impounds almost a year later. 
In XX/XX/XXXX my impound account for property tax was seriously delinquent due to two factors.

1.PNC pays property tax in XX/XX/XXXX or XX/XX/XXXX even though property tax is not due until XX/XX/XXXX making the impounds 2 or 3 months short on funds for that year.

2. PNC Bank was collecting taxes at a XX/XX/XXXX property tax rate which was 40 % below XX/XX/XXXX rates, my impounds went up about {$110.00} per month per house to cover the arrears. I ask the bank to review the account in XX/XX/XXXX when the preliminary property taxes are released they informed me that they only do impound evaluation in XX/XX/XXXX every year which would be at the prior years amount. This is an irrelevant amount and does not reflect what is due in the present year. Due only to the banks incompetence again I have asked to completely close all 5 of my impound account so I could handle them correctly, they have agreed. They have billed me {$190.00} per account for a total of {$970.00} I refused to pay this fee. I would not entertain closing the impounds if they were done correctly.The loan is 13 years old.I know that the only reason I am requesting removing the impounds is due to total incompetence. I refuse to pay any fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, TN CHILD SUP XXXX XXXX XXXX, has violated my rights. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-06-03
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: Account status incorrect

Complaint:
The FCRA mandates that only credit transaction can be reported on the consumer credit report. This company open sky continue to violate federal codes by reporting late payments which is not considered part of the credit transaction history which ultimately is effecting credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX {$1800.00}, CREDIT BALANCE REFUND DEBIT.

So basically I made an extra payment for that amount and bank of America told they sent a check, but I told them to do a stop payment against it as I was flying for a vacation to XXXX, I called in once I came and they say the check is cashed, But I want you guys to tell them to match the signature on the check with bank records to determine the case. 

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 explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
No matter what you complain about these agencies are by by opinion of multiple truths and experience frauds, incompetent. Balance XXXX XXXX incorrect on autoloan paid XX/XX/XXXX still not updated. Negative commentary still not updated and wrong. One can go on but being held hostage and financially kidnapped while the so called PROTECTORS do squat isdemeaning, insulting and frankly PURE EVIL! Yes and negatives always posted 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 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed an account on my credit file back in XX/XX/2020 that is showing up on Transunion only, and Transunion has failed to removed this fraudulent account off my credit report. As I have stated to them that is account is not mines and I didn't open this account. This account was apparently open without my consent. If Transunion can not provide me with the evidence from the creditor- XXXX XXXX XXXX XXXX XXXX That I Ms. XXXX XXXX willingly and knowingly authorize to open up this account, then Transunion need to remove this from my credit file. Why will I open up an account that gave me a {$13000.00} credit line and then close it 2 days later if I had indeed legally authorized this account to be open? ....

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 2023-08-25
Company: EQUIFAX, INC.
State: CT
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:
Account name : XXXX /Account number- Username ( XXXX ) Account name : XXXX XXXX  Mastercard/ Account number XXXX XXXX my rights. 

15 U.S.C1681 section 602 A. states I have the right to privacy. 

15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information in inaccurate.

Due to these issues on my report, I am having a hard time to provide for my child! I'm unable to get an apartment. I'm unable to secure a loan for school to better my career due to these discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my second-time requesting 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 Balance : {$83000.00} ; 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 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 ;

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 2021-07-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The story with my complaint starts 2 years ago in XXXX of 2019 which was when my first payments was due. I make my payments through a bill pay system through XXXX XXXX  XXXX XXXX XXXX Ca. My first payment was a few days late but not past the XXXX. This was because I did not check a box on the bill pay set up to deliver by the first of every month. After that they stated calling me every month asking for a payment like clock work. After they would call they would realize during the phone conversation that I had in fact made the payment and would apologize. After a few more months of that I started paying my payments twice a month, half on the first and half on the XXXX. They continued to call every month like clock work asking for money, once again during the phone call would discover I had in fact made my payments on time. They would say they discovered that the funds were miss allocated and they needed to re allocate funds to my account. I do not know what that means still to this day!!! During the 2 years years was a incident that did get reported on my credit and that incident was never clarified or resolved to my satisfaction or understanding. It is important to know the during the 2 years my account was never behind or late. Recently as of XXXX, my load was refinanced and this lender was paid off on XXXX, in the sum of XXXX. They are still calling me asking for money and threating me with collections. I reached out to them on XXXX and they told me they had in fact received the funds but as of not can not apply them to my account. They said this could take up to 10-15 working days to be resolved and for my account to be closed. given the uncountable phone calls and badgering I have received by them in the past couple years I am not questioning why a finical institution has such a difficult time managing accounts, they are in the business of managing accounts. There has been time where they could not find my money and had to call me back days later! I fear that my account is not reconciled accurately and they are not qualified to be operating as a financial institution in this country. I see on the XXXX XXXX XXXX XXXX web site they have an extremely low score. Further more they refuse to communicate through e-mail, I suspect they are in fear of a paper trail that could implicate them. I believe this company is in need of an audit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: Monterey Financial Services LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never received billing or other info regarding ownership status. Began to receive phone calls from a collection company XX/XX/2017. Company did not seem legal as they did not give me any written notice or other info regarding debt, required by law. Checked credit report found I had been placed in collection, without written notice of that happening. My rights have I feel been violated by unlawful business practicus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion and XXXX are incorrectly showing that I have a late payment for XXXX XXXX XXXX  Account # XXXXXXXX on XX/XX/. While XXXX is correctly showing that I have never had a late payment for the same account- XXXX XXXX XXXX  # XXXX. 
Secondly, Transunion and XXXX are reporting that I was 30 days late on this account on XX/XX/, this is an obvious error as my payment dates are due on the XXXX of every month, thus I could not be late prior to the due date. Notwithstanding, the second contention, my primary contention is that I can not be late and current for the same account on the same date. It is my contention that this inaccurate reporting between the credit reporting agencies violates the maximum accuracy reporting standard set forth in the Fair Credit Reporting Act. I have written several letters of dispute, and requesting verification on the disputed account, some letter written more than 45 days, ands of this day, I have received no response, or an update to my credit report that this account was even in dispute. It is my request that the XXXX XXXX XXXX  Account # XXXX  be updated to current status showing that this account was never late as is the case.

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 2022-11-16
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file is listed on my credit report. 
XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-06-03
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX, Act Name : XXXX  XXXX, Act Name : XXXX XXXX XXXX XXXX, Act Name : XXXX XXXX, Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief