BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: SD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Yes, I have contacted " Penny Mac Loan Servicing Center '', on numerous occasions and they still saying they can't find my check written on " XXXX XXXX check # XXXX for " XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX  Dollars. 
I'm requesting your assistance in resolving this matter, because the check was written for my " XXXX '' payments, with additional money to help with my escrow. My new mortgage payment is {$990.00} a month, which for " XXXX '', is {$1900.00} and the balance ( {$630.00} ) is to be applied to my escrow account. 

Here 's the name of my mortgage company, I am complaining about : Penny Mac Loan Financial Servicing / phone # XXXX XXXX Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX South Dakota XXXX XXXX Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XX/XX/1975 ss # XXXX  In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, 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 u.s.c 1681 XXXXXXXX XXXX XXXX Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts 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 non-monetary relief
Consumer complaint received 2023-10-16
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 information incorrect

Complaint:
I Dispute this with TransUnion because the information reported on XXXX XXXX XXXX has the last payment date wrong. The last payment in this account was made on XX/XX/2019 as provided here in the picture and not in XX/XX/2019 also the charge off date should be XX/XX/2019. I brought that mistake on my dispute to TransUnion but they fail to delete the account based of this mistake contrary to other bureaus

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 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 following account below have violated my federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15USC 1681a ( k ). This entity also violated 15 U.S. code section 1602 ( p ). Also violating 18 USC 894. Using my TRADENAME without express written consent in violation. 

Names Reported : XXXX XXXX XXXX, XXXX XXXX XXXX They ( credit furnishers ) have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2.

Additionally it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish any account without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting 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 have been calling and sent letters to XXXX to remove ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They are not listening. 
Under this law 15 USC1681b ( a ) ( 2 ). It states everyone needs my consent to report anything to my consumers report. Which I never did.

15 USC 6802 ( b ) ( 1 ) Obligations with respect to disclosures of personal information they must have given me a disclosure prior to reporting my information and I couldve opt out from the companies reporting my info. Which I never did get.

.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The US Department of Education has not hired XXXX XXXX to service this federal consolidation loan orginated by the University XXXX XXXX XXXX on XX/XX/XXXX for a XXXX XXXX in the amount of {$49000.00} now reporting as {$80000.00}. This why XXXX XXXX has not supplied the federal student loan accurate payment history from XX/XX/XXXX until XX/XX/XXXX to the credit reporting agency. The credit reporting agency is not reporting month by month payment history of this federal student loan from XX/XX/XXXX until present. I have not made any payments and not requested any deferment or foreberance. The credit reporting agency and XXXX XXXX is not reporting this defaulted federal student loan month by month payment history. The CRA are required to report the complete accurate payment history month by month of the federal student loan.I wrote XXXX XXXX that I am not paying a XXXX on their federal loan terminated by the US Department of Education XXXX XXXX on XX/XX/XXXX. The Fair Credit Reporting Act, CFPB and I request the CRA to report on my online credit report the complete accurate payment history of federal student loan from XX/XX/XXXX until XX/XX/XXXX immediately. Transunion and XXXX are In violation of the Fair Credit Reporting Act and the CFPB for not reporting the complete accurate payment history of the federal student loan accoun tand must remove the account immediately. If the CRA have any problems. The CRA to address their concerns to the legal furnisher of the account the US Department of Education 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 2023-07-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2023 I purchased a new XXXX at XXXX XXXX in XXXX Florida. I was told by the finance XXXX XXXX XXXX that my new car payment was {$680.00} a month. He also said the vehicle " came with warranty up to XXXX miles, GAP and scheduled maintenance all included '. We then proceeded to sign on a digital screen again repeating that my payment was {$680.00} with all those included benefits. At the end he hands me my document folded and packed into a medium sized orange envelope. Few days later at home I unpacked the documents to create a file and saw my copies of the contract. In it I saw a payment of {$870.00} dollars and an itemized description of all the " included benefits '' he described with dollar premiums on the contract. I was in shock and in research realized that those products were optional and i was never told. I immediately called XXXX XXXX and asked for an explanation and demanded that the deal be rescinded. His answer was that my reaction was typical and that I could trade out of the vehicle in 6 months. As a single mother I really feel that I was taken advantage of for trusting what I thought to be a reputable dealer. I have limited to no resources and can barely afford this. I would have never agreed to a payment of {$870.00}. I sincerely feel that as a woman I was taken advantage of in more than one way. I don't even have the means to afford legal counsel in order to assist in fixing what I think this is. This person is trying to get away with fraudulent and malicious intent. The dealer is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX Florida XXXX. Phone number is XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am requesting that 8 old addresses listed as ''other address '' need to be deleted from my consumer report because it is causing me financial problems. The California Franchise Tax Board sent a demand for an unpaid traffic ticket to a former address obtained from a CRA. When I did not pay it ( because I did not receive it at my current address ). They received a judgment against me and took an excessive payment directly from my bank account without my knowledge. 
Also there are 2 phone numbers listed : the one ending in XXXX is incorrect and has never been associated with me. Please delete as it is inaccurate. 
Please mail me a complete copy of my consumer FILE

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 2022-11-21
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company continues to call me everyday and leave text messages stating that I owe a debt to them. Ive gotten several call daily and several text messages daily. Ive blocked there number and they still continue to call me from the same number and several others

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX Account Number XXXX I logged in to check on my credit report to find an account in collection for the amount of {$110.00}.

This should not be reflected on my credit report and is inaccurate information.

Any previous medical bills were paid off by my health insurance at the time and I was specifically informed by the " Original Creditor '' that I have nothing owed beyond what insurance has paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Mohela put my formerly REPAYE loans into level repayment status while processing my SAVE application. Mohela is demanding payment under the level repayment plan, in contradiction with guidance on their own site : " your payment will be recalculated before it is due. '' These loans should have been in forbearance while Mohela drags their feet processing applications. Repeated attempts to contact Mohela have yielded no results. Further research indicates this is a known and ongoing problem with Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Kornerstone Credit,  LLC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXXXXXX XXXX XXXXXXXX have made a delinquent charge on my account after I had closed an account with original loan. 

The original loan providers can not provide any information on the debt. Every time I call they said they dont have it because its been so long so why am I being charged if theres no information? When I showed original bank statements to prove l came to a settlement they dont acknowledge it. They were scammed by original lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: NE
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I never won a dispute even though I had proof to fraudulent use. Atm fees were charged twice. I was also charge atm fee to atm within the network. Overdraft fees even though I was given XXXX  hours to make my account positive

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 2022-12-17
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
An individual on Venmo who goes by the name XXXX XXXX on Venmo has scammed me of {$260.00} and {$290.00}. Through XXXX direct messages, he promised to send two pairs of shoes but failed to do so after frequent reminders. He also sent two tracking numbers that were fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: VA
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 XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, Self # XXXX, Self # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  # 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 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 or 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 explanation
Consumer complaint received 2021-06-11
Company: SYNCHRONY FINANCIAL
State: AR
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 recently went to finance a car so I have 4 recent inquiries, I downloaded my XXXX  report and its showing multiple inquiries that I dont recognize. Some are car inquiries from before my car purchase, the car I had before the one I just bought was bought cash so those inquiries werent mine. Theres also some inquiries from what seems to be credit card for different stores. 
Syncs/Old navy on XXXX XXXX Syncs/Amazon on XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 Syncb/cc 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$24000.00}

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 2023-10-15
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: Information belongs to someone else

Complaint:
THERE WAS AN ACCOUNT OPENED WITH XXXX XXXX XXXX AROUND XX/XX/XXXX AND A BALANCE OF {$2900.00} WHICH IS NOW A CHARGE OFF ACCOUNT AND PLACED FOR COLLECTIONS WITH XXXX XXXX.. I HAVE SENT OUT NUMEROUS OF LETTERS OF THIS BEING A FRAUDULENT ACCOUNT TO XXXX, XXXX AND TRANSUNION AS WELL AS FTC REPORT WHICH WAS INDEED SENT OUT XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AND NOTHING HAS BEEN DONE ABOUT THIS. I CONTACTED XXXX XXXX XXXX AND WAS TOLD THEY NO LONGER HAVE THE ACCOUNT AND I CONTACTED THE COLLECTION AGENCY AND THEY HAVE YET TO GIVE A VALDIATION LETTER AND OR CONSIDER ALL DOCUMENTS THAT I HAVE SENT IN.

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 2022-10-09
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear American Express, I would like to report the Business Platinum Amex Card Account ending in XXXX in my name ( XXXX XXXX XXXX ) as fraudulently opened. 

I did not authorize this account to be opened in my name and ALL transactions on this account were done by XXXX XXXX an extended family member and were done without my permission and, therefore, were fraudulent. 

She made these transactions for her renovation and project without my permission and opened the account in my name without my permission. 

Furthermore one of my many bank accounts were used for all the payments for this credit card account, therefore, I would like all payments made on this account returned to my Bank Account given said transactions were made without my permission and the account was opened in my name without my permission as well. 

Please immediately mark all transactions on this account as fraudulent as well as remove me from being liable for this account, and return all payments to my bank account used for the chase credit card account, and mark the creation of the account as fraudulent and as it being an account opened having stole my identity. 

Thanks. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: IL
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:
This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following itemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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 to with the Fair Credit Reporting act XXXX account name Child Support Enf AG/N, account number 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.

Company response to consumer: Closed with non-monetary relief