BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
in accordance to 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 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 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH 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 OR CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) APERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT INFORMATION IS INNACURATE

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 2017-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Remove all the claims for Bank of American because I worry my life in danger. After filing complaints my headache gets worse and worse, they control all the government law enforcement, I decide to foreclose my   XXXX   houses due to the forbidden me getting into their banking center paying my mortgages and my credit card, I definitely pay my credit card after going to collection company then I can access my account to pay my credit card. All the government police department and cfpb, justice department and insurance support Bank of America forbidding me work for any business and forbidden me access their bank property to pay my mortgages and credit cards. I tried so hard to make it correct the issue, they use two governments torture me worse and worse. I give up complaints of Bank of America I need to survive, please give me a chance to say I am wrong I should not ask justice by regulations. I should quite to be killed by two governments.
  XXXX   XXXX   Sent from my iPhone

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 2019-11-20
Company: U.S. BANCORP
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

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 2020-04-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted PennyMac on XX/XX/XXXX th approx for consultation on what would need to be done to eliminate the Mortgage insurance of {$60.00} per month. I was told that the Mortgage to value needed to be at 78 % in order to remove that insurance and that I was at approx 81 % ... that at the current rate the Insurance would drop off in 4 to 5 months. I asked if I paid additional principle with the next payment that would take me below the 78 % - would that do it. The appraisal at the time of the original load was {$280000.00} I was informed that it would, but to be certain that the Mortgage insurance was removed that I should call back and follow up after the payment. My wife added an additional {$1100.00} to the payment on XX/XX/XXXX to be applied against principle lowering the balance below the threshold. This was applied to our account on XX/XX/XXXX This brought our principle remaining to approx {$210000.00}. 77.96 % When I called back today XX/XX/XXXX, to make sure the Mortgage Insurance was eliminated I was referred to the Insurance Department who informed me that I was " misinformed '' and that in fact, the only way I could get this done was by paying for a new appraisal and only then would this be considered. Also, she informed me that they considered the 78 % against the sale price of {$250000.00} as opposed to the Appraised price of {$280000.00}. This is unacceptable and a fraudulent misrepresentation. The person I spoke with today said she would provide a message to her supervisor that I wanted a call back and, as anticipated, I have not received any.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: World Acceptance Corporation
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/ I asked World Finance to Validate the debt that they have been reporting only credit report, as of today they have not responded. 

On XX/XX/ I sent World Finance a second letter Disputing the accuracy of their reporting. The account is being reported as a charged off every month resulting in the date of delinquency to be refreshed in the credit bureau system. In addition this account is also showing a past due amount even though it is charged off. Final the amount due continues to increase although this account is charged off. Please correct me if I am wrong but I feel that this is a violation of my fair reporting rights. 

This company has refused to respond to my mail request and verbal request are told that I have to pay the debt to have the account properly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 



By law Delete all incorrect information and accounts listed in the document below from my consumer report immediately as it is hindering me and should not be reported on to my consumer report and violates several laws under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 2018-11-08
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I recently tried to do a Temporary Lift of my Security Freeze with Equifax and was not able to complete it online or via phone, I kept getting a message saying 'Invalid PIN ' I know my PIN, I have my original letter from Equifax dated XX/XX/XXXX that clearly shows my PIN. 

Because of the 'Invalid PIN ' message that I kept getting, I had to call Equifax and find out why my PIN was not working. The Equifax rep that I spoke with said at first that I had my PIN lifted since XX/XX/XXXX. I said that was wrong, his information was wrong, I never did that. Then he said that my PIN had been changed when my address was changed in XX/XX/XXXX because I lost my PIN. I said that was wrong, his information is wrong again, I never lost my PIN, I have a copy of my original Security Freeze letter dated XX/XX/XXXX that clearly shows my PIN. He said again that my PIN was changed when my address was changed. I wanted to know why my PIN was changed without my knowledge, without my permission, without my consent, and why was I never notified of the change to my PIN and why was I not informed in writing of my new PIN. He said that a letter was sent to me in XX/XX/XXXX, I said that it was not, he was wrong again, I never received any communications regarding a change to my PIN. I had to ask him what my PIN is now so that I have it. I then requested a written communication be sent to me about the changes to my PIN, and a new letter be sent to me that clearly shows my new PIN. He said that he would send me a new PIN confirmation letter, and that I would receive in 7 -10 business days. It is almost 3 weeks later and I have not received a letter that clearly lists my new PIN from Equifax, or any communications regarding the changes to my PIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX '' and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX '' when I reviewed my credit report. This account had a substantially adverse impact on my credit score, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.

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 2017-07-16
Company: Experian Information Solutions 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:
On  XX/XX/XXXX    XXXX   XXXX   XXXX   gave   XXXX   XXXX   XXXX   XXXX   the responsibility of servicing my loan. The   XXXX   XXXX   courts was n't notified. My rights under the wage earner law has been violated. I had   XXXX   XXXX   XXXX   under wage earner from  XXXX - XXXX . I was discharged in  XXXX . I paid   XXXX   XXXX   XXXX   outside Of The courts. My case number is  XXXX . I paid   XXXX   XXXX   XXXX    through their bankruptcy department. I was current with   XXXX   XXXX   XXXX   in  XXXX  when my loan was transferred to   XXXX   XXXX   XXXX  . I do n't know why   XXXX   XXXX   XXXX   did not report to   XXXX   XXXX   court they were transferring my loan. All of my other creditors was paid by my former employer   XXXX   XXXX   & my payments were payroll deducted. My employer ein # is   XXXX  . {$140.00} was being deducted every week from my payroll check every week. In   XXXX   when I received the settlement from the medical malpractice law sue I filed in  XXXX . I paid the courts {$18000.00} on  XX/XX/XXXX  to pay all of my creditors off. The loan I had with the   XXXX   XXXX   was refinanced on  XX/XX/XXXX  while I was in  XXXX  and under   XXXX   XXXX  . I paid off the money store and   XXXX   XXXX   was paid off. The new loan refinanced was with   XXXX   XXXX  . Their loan number is  XXXX . Payments was being made to   XXXX   XXXX   XXXX  . 1098-mortgage interest statements was reported to IRS using my social security number. These fraudulent acts was being done while I was suppose to be protected.

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 2019-09-02
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My daughter had XXXX  in spring of XX/XX/2017. We received a 25 % discount for paying the bill in full the morning of her XXXX. The lady informed us if we received a bill after XXXX, to call them and they would take care of it because we paid in full. We did receive a bill of {$270.00} and we called the business office just as suggested. The lady informed us that she would take care of it immediately. Fast forward 30 days, we receive the same bill. Again, we called and talked to a manager this time. They also agreed to take care of it because they noticed we paid in full. We thought all was well until I pulled my credit report since we are applying for a new mortgage. This was a negative debt in collections. First, we never received a bill stating it was in collections. This is keeping us from getting a desired rate on our mortgage due to their clerical error. We can provide a documents showing we paid her amount in full the day of 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 2017-03-13
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My husband and I had separate checking and savings accounts with Navy Federal Credit Union. We also had one checking account together. My own separate checking account had fraudulent activity in the amount of over probably {$20000.00}. Navy Federal CU was great handling the fraud claim except for not receiving claim status details in the mail. They stated when asked that I could see any activity that was taken by them by simply looking at my online account. Customer service stated I could see the Provisional Credits by seeing the adjustments, etc. The fraudulent activity was verified to be true & correct. What happened was I was over paid in the amount of {$7900.00} they said because Visa verified or approved that is was valid claim. So all of a sudden on XX/XX/2015 my account showed a negative balance of that same dollar amount. I called them and they stated they send a regular letter by mail stating this would happen within the next two two weeks before the XX/XX/2015 I never received the piece of mail and stated that something that big and important be sent certified since it was going to have a huge bearing on my families lives. Anyway I said I understood the overpayment. Then to my surprise they confiscated all money that was both of my husbands and my account. They took ALL of his direct paycheck that was on an automatic deposit through the XXXX of the XXXX where my husband has worked for about 26 years. So they continue to take all of our money until the balance was paid in the amount of the {$7900.00}. I called them to say that I was sick and we only had one income coming in and it was my husbands. I told them how could they leave us without any money for food, groceries or anything. I told them numerous times that my husband and I were willing to work out a payment plan where they could deduct a certain agreed upon amount out of his paycheck until the debt was paid. I could not understand how that this was legal. It finally got to the point where my husband that to stop his direct deposits so that we could have money to pay our bills like the house payment, groceries, gas, utilities etc. They were so rude about this. I complained to a manager and they stated if there was something they could do that they would be in contact. They never did contact us. They also shut off my debit cards and closed our savings accounts without any warning. If this was legal what they did how come they handled this so poorly. I would n't this stress on any military family or anyone for that matter. Can you let me know if there practices where legal or not? We also incurred tons of overdraft fees because payments were denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon me viewing my credit report I discovered some derogatory information.

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 2023-03-07
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: Information is missing that should be on the report

Complaint:
On XX/XX/23 XXXX XXXX removed my credit card from transunion and my score dropped XXXX points the credit card is still active, in good standing and currently reporting on all other credit bureaus. I called transunion on XX/XX/23 and they said I needed to contact XXXX XXXXXXXX if I wanted it added back I then called XXXX XXXX and they gave me intrusions on where to mail the request and what information to include in my letter I then sent the letter out that same day to XXXX XXXX asking them to add my credit card back to my transunion and I havent heard back about it I did a follow up call last week and no one could tell me anything I need this resolved swiftly

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 2017-03-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/1980 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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