BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, also 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

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 2018-07-11
Company: EQUIFAX, INC.
State: VA
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:
In direct retaliation against me for escalating my concerns with their abuse of me as someone who received a predatory loan from them - documented in complaints XXXX, XXXX that XXXX XXXX XXXX XXXX has refused to provide response to, XXXX continues to harass and file false legal complaints against me as well as provide falsification of records and information to the credit reporting agencies. I have it well documented through electronic record in their systems as well as my recorded phone calls with their representatives that I repeatedly advised them that I was requesting a voluntary repossession and that it should be reported accurately upon voluntary surrender of the vehicle. For months on end ACA ignored me, refused to communicate with me and falsified records when I had no choice but to file a complaint with the CFPB because of their refusal to allow me to voluntarily surrender the vehicle. They have filed reports and statements to the credit reporting agencies stating that the vehicle was involuntarily repossessed ( all of my records, recordings and data prove otherwise ), along with them seeking action to recover {$31000.00} from me. XXXX is attempting to bully and silence me as they do other customers into dropping my complaints and organization into a class action lawsuit against their company for unfair and deceptive predatory lending practices, falsification of records and financial abuse of their customers and failure to provide any response to my repeated attempts to have them retrieve the vehicle. Even now, they refuse to provide response to the CFPB. Further investigation into their practices and data records is needed to validate the abuses they have taken against me. Their representatives and management team orchestrating the actions against me are adept violating the regulations and laws meant to protect customers from the crimes XXXX is committing. A review of their data records and all internal correspondence requested by the court will validate the information contained in my complaint along with the document upload I have provided that demonstrates their falsification of records and false reporting to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Auto Pay for Macy 's credit card was activated on the wrong credit card account. I spoke to Macy 's customer service. Macy 's indicated that the previous account ending in XXXX was mistakenly not closed. Therefore, the new account ending in XXXX did not need to be opened. The Macy 's representative I spoke to on XX/XX/2022 removed all late fees for the new card ending in XXXX, and I made a payment for the balance remaining of {$310.00}. I was advised that the previous account is now closed ending in XXXX. I am asking that the late payment status from all Macy 's accounts with all credit reporting agencies remove the late status. Thank you! 

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 2019-08-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was transferred to a different mortgage company in XXXX. I had just successfully completed a load modification with the last mortgage company before is was transferred. Both companies said the new modification would be honored. The new company told me to fax or mail them a signed company of the terms in which I faxed and they acknowledged receiving. They then said they could not honor it cause it wasnt the original. They are now making me go through the process all over and I sent them EVERYTHING they requested and now theyre saying they received the package but its missing pretty much everything I sent. They are giving me the run around to take my property

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: AFNI INC.
State: NV
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 received a letter from AFNI claiming I was in an auto " incident '' and it was determined I was liable. I requested more details on : the nature of the incident, where and time it happened. Copies of police reports, insurance claims, etc. To which they responded with another letter demanding payment. 

It appears they are trying to defraud my insurance company, by using the guise of an " accident '' to have the insurance company pay for a 1 ) accident that never happened ( car has NO recent damage. ) 2 ) using my insurance to pay for a debt that is no longer collectible ( dis-charged/written off ). 

Their file # is XXXX, the insurance ( XXXX ) " claim # '' XXXX, the " incident '' took place on XXXX-2018 and is for {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EdFinancial Services
State: GA
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 have tried calling, emailing, and using the chat box EdFinancial have on their website to try and correct my status for my student loans from payment due to an in school status. 
I am currently in XXXXXXXX XXXX and will graduate in XXXX but they have me set up to pay my loans starting in XXXX of XXXX. I already contacted my schools financial aid office and they said that they automatically send out my XXXX  status to Clearing House to confirm my enrollment and to any loan providers that are interconnected. 
I don't know what to do anymore, no one is picking up and when they do they hang up on me and then I have to wait another 3 hours to get a call back and that's if they don't close before then. I'm stressing out and I can't afford to pay anything until after graduation. 
Is there anyway EdFinancial can be contacted to fix the status on my student loan account from " payment due '' to an " in school status or deferment status ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
I communicated that I'm a victim of identity theft. this collections account is not mines. 
I filed a FTC report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 ACC 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 2023-05-29
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records, I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$610.00} XXXXXXXX XXXX XXXXXXXX {$480.00} XXXXXXXX XXXX XXXX XXXXXXXX {$280.00} XXXX XXXXXXXX XXXX XXXX  {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX$400.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX 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.

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 2022-06-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am consumer XXXX XXXX and my federally protected rights have been violated by PENNYMAC LOAN SERVICES. I do not have a contract with PENNYMAC LOAN SERVICES. I've requested that PENNYMAC LOAN SERVICES send the FORWARD FLOW AGREEMENT BETWEEN THEM AND XXXX XXXX. I've demanded that PENNYMAC validate this alleged debt pursuant to 15 U.S.C. 1692g, and to verify alleged debt with sending the name and address or original creditor. PENNYMAC has not done the things listed above. I demanded proof of PENNYMAC giving me a loan.

PENNYMAC LOAN SERVICES has not given me my right to rescission under 15 U.S.C. 1641 ( c ) of a transfer of loan. Under the CFPB 1026.23 Right of rescission has to be given in a consumer credit transaction. PENNYMAC IS IN VIOLATION OF THESE SECTIONS.

PENNYMAC LOAN SERVICES has continued to harass the consumer for payment and threatened me to seize my consumer property on XX/XX/2022, which is false misrepresentation pursuant to 15 U.S.C. 1692e ( 4 ). PENNYMAC LOAN SERVICES has sent unknown individuals to my property without my consent to harass and violate my individual privacy of the consumer. I serviced PENNYMAC LOAN SERVICES a CEASE AND DESIST and they persist to harass me as a consumer and natural person not obligated to pay any debt not owed. PENNYMAC LOAN SERVICES is a third party debt collect and must abide by the Fair Debt Collection Practices Act, & Truth in Lending. PENNYMAC LOAN SERVICES has failed to properly respond to my AFFIDAVIT OF TRUTH IN WHICH LEGALLY HAS TO BE ANSWERED BY AN AFFIDAVIT OF TRUTH AS WELL. PENNYMAC HAS SENT COPIES OF A CREDIT TRANSACTION THAT THEY WERE NOT PRESENT FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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 submitted documents and letters showing inaccurate information. 
Accounts show different open dates, and amounts. 
report not showing correct name and address.

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 2022-06-02
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original charge from XXXX. I cancelled our service on XX/XX/XXXX. They continued to bill us for service afterwards. I received notice XX/XX/XXXX from XXXX that my outstanding bill was for {$410.00}. Since the account was cancelled I could not access online statements and determine the reason for {$410.00} bill. On XX/XX/XXXX I spoke with XXXXXXXX  rep XXXX to resolve the problem. She indicated that the true outstanding based on the XX/XX/XXXX cancel date was {$170.00}. I paid XXXX  {$170.00} on XX/XX/XXXX and thought all was resolved. Subsequently I continued to receive bills from XXXX with a different amount each time. Sometime later XXXX assigned the account to a collection agency Credence. Unbeknownst to me, Credence attached a collection notice on XX/XX/XXXX which has affected our credit rating to the point where attempts by us to obtain credit has been refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
Ladies and Gentleman : I noticed there some unsure activate with my credit card for awhile, therefore I closed my credit card for over a year, recently there is potential Business breakthrough opportunity with my company. So I reconsider to apply a Credit Card, but I got rejected from my Bank, the reason is Current past due, I have both checking account and saving account at my bank and have about {$70000.00} Cash at account, never have any later payment in my history. How could I have current past due? my application ID # XXXX I ask you are take look at my account and history again, please.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

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. 

I told the Transunion to reinvestigate these accounts : Dept of EducationXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my 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 2018-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection on my Transunion credit report for the amount of {$2100.00}. I do not know what this debt is for, and the collection agency refuse to validate this debt. I have sent multiple requests asking them to properly validate this debt. I am unsure if this is my debt or not. This company refuse to cooperate with me. It is my right to request proper validation and this company has violated it by ignoring my requests. This company is hurting my chances of obtaining the credit that I deserve. It has been almost a year since I sent my first letter to validate this debt. I should not have to suffer because a collection agency refuse to validate a debt. They removed this account from my credit bureau reports then reinserted it on XX/XX/2018, without properly validating this debt. I have yet to receive any correspondence from this company.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX. 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 item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
have over years asked my mortgage service provider for a better interest rate .They refuse to work with me unless im late on payments, offer no options have been paying 7.9 % for 20 years. they one time offered a look at a loan modification, but forced me to go late on payments to do so. Witch in turn took my XXXX credit score to mid XXXX they will now no longer talk to me. When I ask for the real mortgage holder I get a list of banks 6-10 long most no longer in service. All other lenders in my area want to loan far more than I NEED, OR WANT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation