BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX my credit score was XXXX. My score dropped XXXX points because it contained inaccurate information. I submitted documentation to TransUnion on XX/XX/XXXX and my credit score started to increase again. On XX/XX/XXXX I had a score of XXXX and on XX/XX/XXXX my score plummeted XXXX points. I ordered my credit report on-line on XX/XX/XXXX and discovered that it showed my student loan was affecting my score. It stated that the balance was too high and not decreasing. On XX/XX/XXXX I called TransUnion to discuss the matter and I was told that I had to contact the servicer of my student loan to have them correct their reporting information. I told them that my student loan was in deferment and that's why the balance is not decreasing. A few days later I checked my credit report again because now my score dropped an additional XXXX  point. This time I see three accounts that are adversely affecting my credit report but this time my student loan was not one of them. The three accounts that are listed has no information as to how they are affecting my credit just that they are adversely affecting my credit. The same three accounts has been previously disputed with TransUnion and removed. I also contacted the creditors and I was assured that the information would be corrected with the reporting agencies. TransUnion also has erroneous information about my employment and my home address. They corrected the information about my address but not my employment. At this point I feel that XXXX is digging up old information in an effort to keep my credit worthiness low. I have worked very hard to achieve my credit status and I find myself fighting with the credit bureau at least twice a year to defend my credit. I have demanded that TransUnion correct my credit file and stop digging up old information so they can justify decreasing my credit score. I am an XXXX XXXX XXXX and I feel that I am being targeted and scored unfairly.

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 2018-09-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX & XXXX {$1400.00} I challenge the accuracy, compliance and reportability of this listing.This is indeed against F.C.R.A. law.

There is no contract, no valid claim ... account was settled with creditor and bureaus decline to remove it, and I contacted creditor, and was informed that it was not verified.

Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back on XX/XX/2022, I received an email from National Credit Adjusters , LLC, with regard to an alleged debt I owed. On XX/XX/2022, I sent them a debt validation ( dispute ) letter with regard to the debt through XXXX XXXX XXXX I got a tracking number and saw that it was delivered to the XXXX XXXX they listed on XX/XX/2022, well within range of the XXXX XXXX  I get to dispute the debt. Now fast-forward to XX/XX/2022, and I have yet to receive anything validating this debt. I requested that verification of debt be sent to me within XXXX XXXX of my letter, to which they have failed to do. At this point they are well past the XXXX XXXX they have to verify this debt, as such this debt has been deemed invalid. 

I will attach the tracking number along with the tracking slip showing my letter was sent and received by them. I am also attaching the letter I had send to them on XX/XX/2022, requesting validation of this debt. I am also attaching the XXXX  letter requesting they forward correspondences to my mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On Monday, XX/XX/XXXX I reached out to XXXX hop finance about my past due balance for XXXX dollars and asked if they were going to be taking the vehicle. I was told that the account has to be at least 30 days past due. The account is not 30 days past you, but they came and repossessed my vehicle today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously had an auto loan with XXXX XXXX XXXX. The loan was successfully paid in full. On all three credit bureaus the closed loan is showing a 30 day late payment ( different alleged delinquency date on Transunion, XXXX  & XXXX  ). Also on my Equifax report the loan which was closed in 2020 is still showing open with a balance of over $ XXXX. This is preventing me from obtaining a mortgage for me and my young family. I have tried numerous times to get this fixed by disputing with Transunion, XXXX  & XXXX  as well as XXXX XXXX XXXX, with no resolution!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX 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 2023-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to complain about a collection account that appears on my credit report. The account is for {$610.00}, original creditor XXXX XXXX. 

I have never conducted any business with Portfolio Recovery Associates, nor have I signed any contract with them. I believe that they are illegally using my information without my consent. 

I first became aware of this collection account when I recently checked my credit report. I have never received any bills or correspondence from Portfolio Recovery Associates, and I have never made any payments to them. 

I have done some research and I believe that it is illegal for a debt collector to report a debt to a credit reporting agency if the debtor has not been given proper notice of the debt. The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a debt validation letter to the debtor within five days of first contacting them. This letter must include the name of the creditor, the amount of the debt, and the date the debt was first incurred. 

I have not received any debt validation letters from Portfolio Recovery Associates. Therefore, I believe that they are illegally reporting this debt to my credit report. 

I demand that you immediately remove this collection account from my credit report. I also demand that you send me a debt validation letter. If you do not comply with my demands, I will be forced to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me one a average of 3 times a day i have blocked the numbers everytime they call I have told them i do not owe them the money and to please stop calling me. Portfolio recovery is who it is. There is not set time they just keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: Experian Information Solutions 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:
The accounts listed here are fraudulent. I'm demanding they all be removed because they do not belong to me. If the credit bureaus do not remove these fraudulent accounts I will file a lawsuit. Fraudulent accounts and inquiries have been sent to the credit bureaus along with ALL supporting documents. Fraudulent items are as follows : XXXX XXXX XX/XX/XXXX {$680.00} ; XXXX XXXX XXXX XX/XX/XXXX {$430.00} ; XXXX XXXX XXXX   XX/XX/XXXX {$220.00}. Fraudulent inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-08-23
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In 2011 SunTrust bank closed out my checking/ savings account stating I had a fraudulent check deposited into my account, and they refused to give me any type of explanation as to where the check came from or who deposited it into my account. 
I opened the account with {$100000.00}. 
As of now SunTrust has changed to Truist and I still can't get any answers as to where my money is. 
I appreciate any help in this situation. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a letter stating that we had requested to close the escrow account and now we will be charged an additional fee to reopen it as we are required to have it? We did not request Escrow to be closed and if we did erroneously make such an error while accessing our account online, then why wasn't I notified immediately via email or more appropriately we should have been notified at that moment that doing so would create added fees as we are required to have the account. I have reviewed all my email messages including spam and promotions and there has been no message that I elected to close escrow on the date I was on the account as stated in the letter. There are also no notices or confirmations of this action in the message center of our account online. My husband received a letter post marked XX/XX/XXXX letter that he was not able to open until after banking hours on XX/XX/XXXX and also on a weekend had a required response date of XX/XX/2019 before escrow would be closed automatically on XX/XX/XXXX which is a Monday allowing us absolutely no time for resolution before action will be taken. It is not appropriate to make such demands or send such letters with less than 10 business days to respond without email notification, or a message in the message center. In addition, I have made several attempts to notify them via the messaging center online, however when I click submit the message does not submit and does not show up that I sent a message after several attempts. As mentioned it is a weekend and the letter was opened Friday evening after hours, we can not stop the closure of Escrow with added fees to reopen as we are told it will occur Monday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

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 2022-11-12
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I believe Wellsfargo is in collusion with other major banking companies to not provide any interest on savings or checking. I have been contacting them since XX/XX/2021 when the XXXX started raising rates. The only response is commiserating were sorry responses. I am currently receiving only XXXX percent, XXXX basis point. They have raised the interest rate on credit card and loans all along this year. Thanks

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 2022-04-03
Company: EQUIFAX, INC.
State: WI
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 have no awareness of these inquires on my credit reports & These accounts are fraud & even past the 7 yr limit. 
Inquires. 
XX/XX/XXXXXXXX XXXX XXXX XXXXK XXXXXXXX XXXX XXXX  XXXX, XXXX, VA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX Account Status PAYS_AS_AGREED ( & this acct. reports paid why is still on my report ) Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency ( N/A ) {$9200.00} ( this act is fraud, inaccurate & passed the statue limitations 7yrs from the 1st delinquency. This fraud acct. been o my reports for 19 yrs 3months! I never received student loans, SHOW THE PROOF OF MY WET SIGNATURE & ORIGINAL CONTRACT, BY LAW IF THEY CANT PROVIDE PROOF IT SHOULD E REMOVED DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX DEPT OF EDUCATIONXXXX  XXXX XXXX XXXX Account Status PAYS_AS_AGREED ( & this acct. reports paid why is still on my report ) Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX {$6800.00} ( this act is fraud, inaccurate info. & passed the statue limitations 7yrs from the 1st delinquency. ) More fraud accounts from Dept of education : XXXX XXXX, XXXX XXXX, xxxxxx XXXX, XXXX XXXX SHOW THE PROOF OF MY WET SIGNATURE & ORIGINAL CONTRACT, BY LAW IF THEY CANT PROVIDE PROOF, IT SHOULD E REMOVED US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: U.S. BANCORP
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint does not fit exactly into the options provided. My last day of work was XX/XX/XXXX. I worked XX/XX/XXXX and was entitled to Holiday Pay for XX/XX/XXXX. I sent them a registered letter disputing I owed this debt. I have never heard back from them.

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 2023-10-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XX/XX/XXXX I requested a Lienholder 's Certificate from Select Portfolio Servicing as required by XXXX XXXX in order to get a Boundary Line Elimination on my property. In XXXX of XXXX, I was finally informed from Select Portfolio that I needed to pay {$500.00} for their legal department to process the document and I had to submit a survey of the property with the Boundary Line Elimination proposal a plat of the current property, and I had to purchase XXXX XXXX. Select Portfolio has not delivered the Lienholder 's Certificate as of this date and it has been a year and five months since my initial request. I have called dozens of times for updates, emailed the ombudsman department that is receiving updates from the legal department and have only received the same response- they do not have a projected date of delivery. They will not tell me how long it will take, where I am in the pile, how many people are working on it and why it is taking almost a year and a half. Unfortunately, I can only obtain this document from my mortgage company. And I can not get a much needed Boundary Line Elimination without this document that my mortgage company will not deliver. I'm paying yearly taxes on XXXX tiny little lots that need to be combined, not only for economic reasons, but for the workload it causes XXXX XXXX XXXX Department. Both XXXXhe County and I need this to happen. We can not do a thing until Select Portfolio delivers. Instead, Select Portfolio keeps sending me copies of the title paperwork that I never requested. I received a letter this week from Select Portfolio, dated XX/XX/XXXX. It stated : " In your inquiry, you requested information regarding the title policy. We have enclosed the Policy of Title Insurance. '' I never requested my title. I have only requested a Lienholder 's Certificate. I've spent {$2100.00} on a survey, {$500.00} on Select Portfolio 's processing fee, {$240.00} on XXXX XXXX and I still don't have a simple one page document called a Lienholder 's Certificate that should have been provided nearly a year and a half ago. 

I need to escalate this matter. Please publish this complaint. I have been incredibly patient and now I have to escalate this matter in every conceivable direction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
USAA is charging me a 30.4 % predatory interest rate on my Credit Card. I called them twice and asked for a better rate. It was 15.99 % originally. They said they did not have a better rate for me. My credit score is XXXX. USAA is for Veterans only. I think it is disgusting that they think they can charge me such a high rate. Maybe they should not be allowed to represent Veterans!

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