BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am currently in the process of selling my home and I received a previous payoff amount of $ XXXX which was reduced thanks to your help! However, I received a payoff quote from the mortgage title company which stated that I still have a payoff amount of $ XXXX even though almost $ XXXX was forgiven. I contacted my relationship manager with Select Portfolio on XX/XX/2022 at about XXXX eastern time and I was told about the breakdown but there was almost $ XXXX in fees and other services included and when I inquired about the other fees I did not receive a definitive answer. I was told the fees came from my bankruptcy attorney which makes no sense because he was confused about the fees as well. There is also a $ XXXX XXXX on the property from Select Portfolio that was not filed in the bankruptcy but they are now seeking payment for, I assumed the $ XXXX was 20 % of the mortgage and included with the $ XXXX payoff balance from before. Select Portfolio Servicing is making it difficult for me to sell my home and time is running out for me to sell as the closing date continues to change and I'm afraid the buyer will walk away if we continue to delay. My question for Select Portfolio is where is the additional $ XXXX in fees and other services are coming from and why was the $ XXXX XXXX not filed in the XXXX XXXX so that it could have been paid off. I assume this was included in the $ XXXX mortgage payoff and this company is attempting to double dip. Thank you for your assistance!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX 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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
By the provisions of the Fair credit reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 USC Section 1681i ( a ) you must complete this reinvestigation within 30days of receipt of this notification. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no fee for this updated report. I request you please send notices of corrections to anyone who received my credit report in the past in the last past year that are not attached to an account. 
Below are a list of account that need to be immediately deleted. None of the inquires where authorize by me nor are they attached to any open accounts. 


ELEMENTS - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681 c. ( 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 relation to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Mostly importantly they are not in compliance with metro 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 explanation
Consumer complaint received 2019-11-25
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I was trying to reach a person to make sure the bureau was reporting the correct name on my file. I went to their website and they only offered one number, XXXX. I called this number multiple times trying to reach a person. Sometimes the computer would hang up on me and I would have to call them again. In exasperation I began pushing random buttons. All the sudden the computer told me I had frozen my credit. I did not authorize to freeze my credit. If a few easily discoverable security questions and some clicks with a computer on the phone is all it takes to freeze someone's credit then my credit is not safe. I did everything, I said agent, I said help, I said person, and the computer kept hanging up on me. 
I eventually XXXX  Experian 's contact numbers and found a third party site that finally provided a contact number that Experian had refused to release to me on their website. I found out they were actually closed when I called this new number, XXXX. I called back the next day during my lunch break. I was able to find out they did have the correct name. But they refused to take off the unauthorized freeze. She directed me to the web where I answered my security questions perfectly but the computer denied me access. So now I know Experian also has false information on me. She stated the only way to take off this unauthorized freeze is to wait for snail mail. Overnight delivery would cost me money! They have no fax or email! She continued to rudely tell me I did authorize the freeze which is completely false. Random buttons are not authorization for anything, especially something as important as access to funds. I need this unauthorized freeze taken off, I need them to tell me what security questions were answered incorrectly so they can take the false information off my account, and they need to put a real phone number on their website.

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX Balance Owed : {$360.00} ; XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXX Balance Owed : {$0.00}.

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 2020-05-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I am writing in response to updating my address along with my phone number in all 3 credit agencies. I have tried to figure out how to do it but can't and seem to get no help when I call. All I am asking is that my address and phone number be put on my credit report and all fraud and freezes be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021, I sent letters via certified mail out to XXXX, XXXX, & Transunion regarding an account that is being reported incorrectly on my credit report. I asked them to correct the information. They never have. I have sent them proof that the company is reporting inconsistencies across the reports. They do not match. The agencies have not followed up with me or provided any documentation on why the data has not been corrected. I subsequently mailed letters in XX/XX/2021 asking them to provide me with how they 'verified " the information and to delete the account altogether since it was not correct. I still have not heard back. The agencies failed to do their due diligence. If they had the data would not differ from credit bureau to credit bureau.

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 2020-05-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
There was an account made in my name from moneygram. I did not make this account. I did not authorize any funds to be transfered to XXXX. It was dated for XX/XX/2020. The company did not follow protocol on follwing up with ID information for authentication. They allowed funds to be transfered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Pnc online banking will not allow XXXX to link to my account even though I am giving XXXX permission and Pnc says they wont do so because of a security issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 2022-04-21
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2018 - I requested a transfer of {$3000.00}. from BarclayCard to my XXXX card. 
XX/XX/2018 - Barclay says they transferred the money. 
This money never appeared in my account. I began calling Barclay and texting them through my on-line account. This has gone on for 16 months now with no resolution. XXXX says they never received the money. It took me one year to get Barclay to send me a copy of their transfer sheet. I immediately saw that it was sent to the wrong account number and have been trying to explain that to them for the last four months. I have contacted Barclay approximately 150-200 times since XX/XX/2018 with no resolution in sight. I have records of each call and each " case # '' they say they opened. The last call I had was with a woman who said she was a supervisor and told me XXXX was to confirm that I had never had this money put in my account and she would respond to me with in 48 hours as soon as she received this from XXXX. NO ONE FROM BARCLAYCARD, USA HAS EVER CALLED ME BACK FROM ANY ONE OF MY INQUIRIES SINCE XXXX XXXX. 
PLEASE HELP ME.

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 2022-04-21
Company: Experian Information Solutions Inc.
State: NC
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:
Under 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 and the HIPPA Privacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, and 164. 

These accounts has violated my rights. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( only reported to XXXX & Experian ), XXXX XXXXXXXX ( only reported to XXXX & XXXX ) XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2021-06-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
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:
these accounts don't belong to me. please remove accounts : 1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: NAVY FEDERAL CREDIT UNION
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
When my wife started XXXX treatment we had to file bankruptcy. We returned this vehicle and it was XXXX in bankruptcy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: ACIMA CREDIT, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
During the month of XX/XX/2022 Acima violated many of my consumer rights. Acima called my cell phone mercilessly in an attempt to collect an alleged debt. I received an email on XX/XX/2022 that displayed threats and profonde language causing me XXXX and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently received a copy of my credit report, and i noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX  These companies are in clear violation of the law. Under 15 USC 181 ( 1B ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordancee with the written instructions of the consumer to whom it relates. 
I have not gave anyone written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 16181 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title ( i ) any report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Mid-Atlantic Finance Co., Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Hello, The letter below is a copy of my Official Notice to XXXX XXXX. 
I am simply applying the laws that congress has in place and Demanding Remedy for the damages and causing substantial harm to me causing me to be at risk of losing my apt and in an actual eviction Should you want to look at their reviews on XXXX you will see XXXX reviews of how they are violating the consumers rights with deceptive and misleading practices causing harm/injury to many other individuals. This letter is to address the cfpb to investigate and demand they cease all collections and any further debt collection Affidavit of Rescission I, ( XXXX XXXX XXXX ) consumer natural ( woman or man ). I, ( XXXX XXXX XXXX ) current principal dwelling ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). I, ( XXXX XXXX ), swear that the information in my sworn statement is the truth to the best of my knowledge. 



I, ( XXXX XXXX ) hereby exercise my right to rescind this auto loan agreement. ( XXXX XXXX ) Located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX. The consummation of this XXXX XXXX agreement took place ( XX/XX/2020 ). There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 usc 1635 I was not giving full disclosure of all the terms in the Auto Loan agreement. This has caused great injury and suffering. 

I hereby rescind this contract and demand any payments made by me returned to me within XXXX days of the rescission process. Any interest you have in this contract needs to be terminated and canceled. You must send me proof of the cancelation. 

You must cease & desist from all collection action and any other action pertaining to any debt obligation. 

I, ( XXXX XXXX ) once again swear that the information in my sworn statement above is a complete representation of my knowledge. 

Thanks for giving this your prompted attention! 

ALL PAYMENT REIMBURSEMENT SHALL BE MADE BY CHECK PAYABLE TO : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

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