BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2016 I entered into a consumer credit transaction with XXXX XXXX  extending them my credit through my credit card. This consumer credit transaction was paid for with a finance charge and is the SUM of all charges and does not include a cash payment under the provisions of 15 USC 1605 ( a ). Also I put down a cash payment of {$11000.00} in a credit transaction in which is against my federally protected consumer rights. XXXX XXXX  and PennyMac also violated 15 USC 1611. They willfully and knowingly failed to disclose information required under the provisions of 15 USC 1601. My information was illegally sold to a third party which is PennMac Mortgage. I never gave consent to PennyMac to contact me or have my information. PennyMac has failed to show original documentation because they were not there for this consumer credit transaction as they clearly disclose. A transfer of sale PennyMac says it common in real estate but common is not governed by federal law. In fact it goes against my consumer rights. I do not have a contract with PennyMac Mortgage, they were not present for the transaction and I do not owe this alleged debt. PennyMac only provides statements in which is hearsay. PennyMac continues to violate my federally protected consumer rights. I sent PennyMac a CEASE and DESIST and they have violated my federally protected rights under 15 USC 1692c ( c ). PennyMac threatened to Sheriff Sale my home which is illegal under 15 USC 1692 ( i ). They can not take legal action when its already paid for and no debt is owed. A contract requires the meeting of two or more natural minds, consent, consideration, and an offer has to be done. That was not done with PennyMac. PennyMac continues to use abusive tactics, and language to oppress myself the consumer. PennyMac has continued to destroy my financial reputation by reporting non public information that they received illegally and without my permission which is identity theft. I was not given the option to opt out of reporting under the Graham Leich Bailey Act 15 USC 6802. PennyMac can not deny my affidavit of truth, it must be answered by federal law. Its a statement of facts because I the consumer was the only one present for this consumer credit transaction. I am the original creditor for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: WESTERN UNION COMPANY, THE
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I completed a money transfer to the XXXX in the amount of {$3900.00} + XXXX fee = {$4000.00} through Western Union. I was asked to upload my ID which I did. The XXXX is XXXX. Nothing unusual in the process until I received an email that my transaction has been declined. I checked back on the app and it still shows that my transaction is " in progress. '' The communication with Western Union has not been the best and since I knew that Western Union does not have the best communication I gave it a few days to update the status on the app. Even at this time, the app continues to show that the transaction is in progress. 

Today, XX/XX/XXXX, I contacted the customer service for the Western Union and asked why was my transaction declined. The reason given to me was it was declined due to a business decision. The rep suggested to start a new transfer using a different location. I asked why a different location. I also asked to clarify if I can or can not use the Western Union app anymore. 

The verbiage use appeared to be misleading or confusing. Basically my understanding is that I could not use the app anymore and I have to go to another location. The rep said that I can still use the app but I just need to start a new transaction. At this time, I have a feeling that the reason why my transaction was declined was not about the app at all. Again, I asked what is the business decision and the rep said there are no other information related to the reason. I asked again perhaps that Western Union can not honor the rate on the app. NO other information was given. 

This has happened a couple times in the past but I never had time to actually investigate nor did my recipient have time to wait for the money I was sending. Fortunately today, I have the time off and my family is not in dire need of my remittance. I would definitely like to get this resolved sooner than later so my family does not to wait longer unnecessarily. 

In the past, it seemed to be a similar situation, My transaction was declined and was told that it was my bank. Then I called my bank and bank said Western Union didnt even attempt to draw ( meaning it was cancelled without contacting my bank ). Another time, it was saying that I met my limit already which is not true nor accurate based on the information that their own customer service told me. But in these past cancelled transactions, I noticed that the rate was higher ( about XXXX higher ) than the current one. 

I just want to know if this is legal and allowed. It seems like it should not be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My problems is with XXXX XXXX  and Bank of America. My account were closed due to a fraud and its now 3years I cant open my account or get any credit card because its always say credit delinquencies so I need help to remove it. My account were used by someone who used it to do fraud so please help me to fix it 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 2023-03-22
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have been working with TD Bank since early XXXX to facilitate a mortgage modification in conjunction with my bankruptcy filing. On XX/XX/XXXX, TD notified us that the modification was approved and provided the new loan terms, indicating that the new monthly payment of {$1700.00} would begin on XX/XX/XXXX, and the loan term would be extended for a period of XXXX XXXX XXXX XXXX  months. 

Pursuant to this agreement, I have made timely payments in the above referenced amount for all months in an effort to keep the account current. In XXXX, XXXX, we were advised that in order to complete & finalize the modification process, a signature was necessary on a single-page document which was mailed to us. I learned that TD Bank mailed this document to my bankruptcy attorney, rather than directly to me, as they stated. I went to my bankruptcy attorneys office, signed the paper, and it was sent by fax to TD Bank. 

After sometime of not hearing back from TD Bank, I called on XX/XX/XXXX to follow up and confirm the modification was finalized. I was told that the fax transmission of the page we sent was illegible, and was asked to resend the single page document via email. This document was sent to TD Bank via email on XX/XX/XXXX. 
On XX/XX/XXXX I called TD Bank, and they verbally confirmed that the modification agreement was received and is processing. I continued to make monthly payments in accordance with the modification agreement. Between XXXX, XXXX and the date of this complaint, I would periodically reach out to TD Bank to confirm the finalization of the modification. This included both phone calls as well as email correspondence. We were repeatedly told that the modification agreement is processing, with no indication of any issues whatsoever. In XX/XX/XXXX, a representative at TD Bank informed me that due to the single page modification agreement not being received within an arbitrary 30-day window, the modification process has been halted/withdrawn. Despite my efforts, I have been unable to receive any clarity whatsoever on how or why this happened, since I followed TD Banks instructions through all times in this process and have worked extremely hard to keep the account current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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 endeavor again to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX Balance : {$2800.00}, XXXX XXXXXXXX Balance XXXX {$710.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX  XXXX Balance : {$4100.00}, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX DE XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/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 2023-10-12
Company: EQUIFAX, INC.
State: WI
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:
NOTICE OF OPT-OUT I have reached out to both XXXX, XXXX AND EQUIFAX in XXXX to these XXXX accounts. These reporting agencies kept both XXXX XXXX XXXX and XXXX XXXX XXXX AND XXXX XXXX is now considered income as I have the B copies for both companies. On XXXX website they state they do not report income. So what is the B copy of the 1099c considered? The IRS say that this is income so we these XXXX companies believe they are above the IRS Publication? 

XXXX, XXXX EQUIFAX are third party data collectors and instead of asking XXXX the XXXX XXXX they go to verify information from third party debt collectorXXXX. MY Rights are being interfered with and limited my abilities to obtain credit for my personal and household needs. I am injured and Damaged due to the negligence of these XXXX companies. I have applied for housing, credit and a vehicle however due to these companies interference i am being denied. 

I AM THE ORIGINAL CREDITOR THE ISSUER AND YOU ARE VIOLATING THE SOICAL SECURITY ADMINISTRATION POLICIES AS THIS IS THIER SOCIAL SECURITY NUMBER AND I WILL GET THEM INVOLVED. 
THIS IS IDENTIY THEIF I GAVE YOU NO CONSENT TO POST THESE THINGS AND I OPT-OUT OF THE REPORTING OF THESE LISTED COMPANIES ON MY CONSUMER REPORT. 
CFPB please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I am experiencing identity theft, from someone using my identity in Texas for the following companies : XXXX XXXX and XXXX XXXX for the amount of {$890.00}. The Online Information Service is trying to collect the amount and it is showing in my credit reports. I am a resident of California and not with Texas. 
Appreciate your help. 

Thank you and Best Regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ACCORDING TO 15 USC 1681I - XXXX XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2021 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of 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 2018-08-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My home at XXXX XXXX XXXX, XXXX XXXX, Fl is owned by me free and clear. There is an unknown Social Security Number with my name and an account number listed with Select Portfolio Servicing , Inc ( SPS ). They claim an old loan associated with XXXX  XXXX XXXX, XXXX. REMIC trust of XX/XX/XXXX, specifically, XXXX XXXX XXXX, that no longer exists, investors ( beneficiaries ) sued and won their lawsuits. There are no beneficiaries due money. My mother passed on in XX/XX/XXXX. I was added to the General Warranty Deed in XX/XX/XXXX. In XX/XX/XXXX, my mother was already deceased for 3 years. Its upsetting and criminal that an unknown Social Securty is linked to my name and home. Im not able to verbally communicate with SPS since my Social Security Number doesnt match their records. They transferred my home over to their REO section to sell. I previously filed bankruptcy because of identifying theft. My home was listed as an asset and was not contested. I have a Florida Homestead Exemption for Veterans. I contacted XXXX XXXX, XXXX. as trustee, and they claim no knowledge or interest in my property. I have no account or anything due them. I was told to report this scam.

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 2022-05-24
Company: CNG FINANCIAL CORPORATION
State: WI
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:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
Transunion refuses to update my address. I called them on the phone and I have mailed a copy of my current drivers license and they mail things to me at the correct address and yet they will not update it. Their demand for utilities or bank account is impossible, due to XXXX, I am XXXX and do not have a bank account. 


Also, they show a collection for XXXX XXXX that should be removed.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The XXXX and Transunion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : 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 2023-11-03
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 Bull City Financial attached a {$380.00} open balance to my credit consumer report. XX/XX/2023 it was reported again. This is not my debt, one reason I haven't had electricity in my name for over 2 years, since living with my girlfriend.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is the second time I make this request the following two accounts I do not recognize and I suspect they are the product of identity theft, I have already inquired directly with XXXX but they have not been able to furnish me with any proof, the accounts in question are : XXXX XXXX {$2500.00} XX/XX/2019 XXXX XXXX XXXX These items were once removed from XXXX and XXXX but they have put them back, I know theres a law that forbids credit bureus from doing this. I need accountability here, that is why I am filing this report. 

I am attaching a copy of a complaint I made last month.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information for the third tie now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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

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 2022-05-24
Company: Experian Information Solutions Inc.
State: LA
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:
I went to a dealership to get a car at XXXX and now I have XXXX Inquiries. 
XXXX XXXX XXXX XXXX, XXXX of XXXX, XXXX XXXX XXXX VG XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have a few here that was never given permission for XXXX XXXX and 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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 complaint is to inform you that the accounts listed below are reporting erroneously & is inaccurate. The furnishers are reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid as agreed/never late. Please provide me with all verifiable proof. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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