BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 2022-08-26
Company: REGIONS FINANCIAL CORPORATION
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:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, REGIONS BANK failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
REGIONS BANK Account XXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
REGIONS BANK Account XXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.

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 2023-08-27
Company: PENTAGON FEDERAL CREDIT UNION
State: DC
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:
XXXX refuses to remove two accounts of my credit per the collection rights and statue of limitations that is forseen underneath my credit report. For one of the collections, XXXX XXXX the collection agency is past the limitations of the right to collect data and as of the LAW it states that information reported should be removed that is innacurate or violates the terms of conditions in which the right it has to collect such debt. The collection was sold off to another consumer in which was not the right of the consumer to continue to allow such credit reporting to hinder my credit as such, three years In South Carolina, the statute of limitations for most types of consumer and business debt is three years. Another item that is being reported on my credit is from Pentagon Federal Credit union this item is past the debt collectors rights to have this item reported on my credit and should be removed as such according to the statue of limitations and its law, The Virginia statute of limitations on debt is five years for written contracts and credit cards and three years for open accounts and oral contracts

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 2023-04-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I went on the collectors website to look up my account and it is no longer there. They are required to report to all credit bureaus and stop reporting me with a debt in collections and have it taken off my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was an applicant on a synchrony bank revolving account XX/XX/2019 and they marked me late and dropped my limit because of nonpayment by another applicant on the debt, they never once reached out to me in anyway to let me know that the account was late. Once I found out the account was late, via a credit report, I called them immediately and paid past due charges and took over the debt entirely. If a company can hurt somebodys credit so badly and affect their lives, they should call that person and let them know a payment is late. Mortgage companies and many others make that call every month if somethings late.

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 2020-02-11
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I accepted a new credit card offer for an American Airlines AAdvantage Platinum Select Mastercard from Citi in XX/XX/2019. The card offered a select # of bonus airline miles if a specific amount was charged on the card within the first few months of having it. 

I set up all of my credit to be paid in full on a monthly basis via auto-draft and did the same with this card and set about using to earn the bonus miles. 

In XX/XX/XXXXI received a call from Citi stating that my account was past due and requesting payment. I notified them of their error in not drafting my account and authorized an ACH transfer for past due and outstanding credit charges with the representative noting an auto-draft for the full amount outstanding would take place at next billing cycle in XX/XX/XXXX, leaving a XXXX  balance. 

In XX/XX/XXXX, the total amount due ( both credit and finance charges ) was auto-drafted and I made call to close the account only to be notified that there was an additional finance charge, not disclosed in the XX/XX/XXXX statement ( which showed payment in full for all outstanding balance ). 

My request that this charge be removed was declined by Citi. My requests to speak to a superior or other authority were also declined. 

I accuse Citi of failing to honor customers ' requests to auto-draft charges in full on billing cycle basis in order to generate fraudulent interest charges.

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 2019-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have disputed the bankruptcy on my credit reports numerous times, I never have had an active bankruptcy. XXXX, XXXX and Transunion have been saying that they have verified the account as valid but have not provided any proof of verification. I went to bankruptcy court to pay for the official paperwork but I started back working before my court date so the paperwork was never filed but somehow it has popped on my credit report making it very hard for me to qualify on buying a home this year. Please look into this matter and delete this inaccurate information from my credit report as it is a violation to my rights as a credit consumer to have information like this reporting incorrectly. 

Bankruptcy Dismissed - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Experian Information Solutions Inc.
State: MO
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:
After receiving a copy of my Experian credit report, I noticed a few unauthorized credit inquiries that are reporting on my credit report. After many attempts of removing these unverifiable inquiries, they remain on my credit report.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau in question, Experian, is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that are posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract accompanied with my signature ) that Experian has on file for the accounts listed below. Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, the account list below must be removed.
I demand the following accounts be verified or removed immediately.
XXXX Date of Inquiry : XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCredit Unions XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXAll Banks - non specific XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXXTenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, NV 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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-08-07
Company: Bread Financial Holdings, Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I hadba Torrid credit card and it was stolen and had racked up new charges I did not do. I paid some I did but I haven't used or had card in my possession for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
Back in XXXX I had made a payment to my car loan I have with citizens online, a few days later I had found out that they had taken out more then what they should have which left me in the negatives, I called citizens and I told the person I was on the phone with, they told me that it was my fault that I had to fix it because Im the one who did two payments I told that person that I just want my money back cus they made two transactions and she was so rude, and I told her I just wanted my money back cus I was supposed to have {$300.00} and something dollars left to bills, she told me that they would send a check that was going to be for the amount I make my car payments on. So when I got the check I put it in my bank to make that payment for my car loan and my XXXX XXXX  couldnt accept it because they told me the bank did something wrong and they had to fix it. When I called citizens to see what happend they told me my bank had the check so they had me calling my bank and citizens back and forth until I talked to someone that was able to help me and told me that the check was on its way back to them once they receive the check they would make the payment that I was supposed to have made, but when I called again citizens they told me I couldnt use the check because I didnt have enough funds in my bank so it wasnt valid so then i faught with them for days to see if I could skip that payment or if I could have go back to back of the loan and they said no. So now my credit has gone down hill because I was counting on that check to help me pay for that car loan and now I dont know what to do if you could please help me I would appreciate it thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
First, the account is not recognized, d and neither is the information. After disputing it, XXXX reported it as a charge-off. 
this is a violation of 15 usc 16 18 1 e b here how they report it : Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updatedXXXX XXXX, XXXX Original balance {$2000.00} Account info Account XXXX Open/closedClosed Date openedXXXX XXXX, XXXX Account typeUnsecured Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX StatusAccount charged off. {$1600.00} written off. 
Company soldXXXX XXXX XXXX After XXXX attend to get the XXXX, they refused to provide it, and instead send me a letter that they assigned the debt to a debt collector. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX vs XXXX XXXX XXXX XXXX XXXX. I presume that no proof of that alleged debt, nor therefore any such debt, in fact therefore exists.

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 2022-08-12
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It 's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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

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 2020-02-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
PennyMacUSA notified me Forced Placed Insurance was going to be bought and placed in the ESCROW account unless proof was provided Wind & Hail coverage was or has been purchased. ( I live in a coastal region ). 
My wind and hail policy did elapse, and I bought new insurance and provided that information to PennyMacUSA once I received the first letter from them. 
However, according to a follow up letter I received XX/XX/XXXX and a phone call I had with them, PennyMacUSA will still backdate the Forced Placed Insurance between XX/XX/XXXX and XX/XX/XXXX, and charge the escrow account {$1100.00}. 
I do not see a legal basis or anything in the mortgage contact for backdating and instituting a fine for insurance being lapsed. It makes sense on a forward basis, but insuring the past is not insurance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
During covid XXXX XXXX continued to bill me without my knowledge. XXXX did not provide me with any documentation to support that they gave me prior notice, that I would still be billed despite a national crisis. This has deter me from purchasing a home and has stayed on my credit permanently. I reached out to XXXX several time to settle this debt so the late payments can possibly be removed. XXXX continued to deny my request. Per my previous request to XXXX I can settle the payments that were missed if they remove the history from my credit history.

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 2023-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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