BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 and Transunion are reporting incorrectly a collection/charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

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 2019-10-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was working with PennyMac Loan Servicing on getting a loan on a new mortgage company. I was set to close on XX/XX/XXXX and made sure to constantly be in contact with our processor regarding closing date. On XX/XX/XXXX I received a loan estimate that was grossly incorrect. When I locked with the company my estimated closing costs were $ 17,000+ I had one condition to pay a {$9000.00} auto loan off. On XX/XX/2019my loan estimate was showing {$53000.00} needed to close. I then contacted the company to tell them this was incorrect. After going back and forth for 2 weeks they still had problems adjusting and fixing the closing estimate. On XX/XX/2019 the title company got a closing disclosure that read I needed {$23000.00} to bring to close when I confirmed this with PennyMac I got different answer from different people. On XX/XX/XXXX I had two people tell me {$23000.00} needed to close and one told me {$32000.00} needed to close. I even have it in writing I need {$23000.00} to close. On XX/XX/XXXX ( 3 days before closing ) I assumed everything was resolved due to my conversation 2 days prior. I learned it was not and then company would be pushing my closing because they forgot to order a flood appraisal and the earliest that I then could close was XX/XX/XXXX. I told them there would be a penalty to me if we can not close on the XXXX. They said we will worry about that when we get there. I was also told closing costs were back up to {$32000.00}. When asking for a closing disclosure I was not provided a new one the only ones I got was from the title company. I feel like I was being taken advantage of. I decided to part ways with this company and find a new lender. I am now having to pay penalties because of this company. When I spoke to management they stated they new a month prior I was not going to be approved for the loan but felt like I didnt need to be told that explicitly so I could find someone else. They wanted to have me try to just keep coming up with money to make it work. I have requested they pay my penalties because they did not communicate with me adequately and I feel like they stalled and stalled until I ran out of time to make a change. The attitude I got from the company was just wait it will work itself out or just wait we will work together but none of which happened. They did have a copy of our contract that stated how much penalties are if closing is delayed because of the buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, I opened a CITI bank account package on XX/XX/XXXX and made the complete deposit of {$15000.00} on XX/XX/XXXX and I had maintained it for 60 consecutive days till XX/XX/XXXX, and I also set up a direct deposit which made me eligible for {$100.00} bonus, so total {$500.00}. I was told numerous times that I met the requirements and my bonus will be deposited within 90 days after meeting the requirements. Yesterday was when the 90 days were up. A couple weeks before that, I talked to one of Citibank supervisors to check on dates of when Id receive the bonus ( different reps would tell me different dates ) and he confirmed the dates for me. I also asked him how I can avoid a monthly fee if I want to move my money. He confirmed that switching to basic package would do it and having direct deposit set up. So we switched. After that I talked at least to two other reps and they confirmed my bonus dates. I called in today and Im being told Im not eligible for the bonus since I switched. 
Im very confused. Just a couple days ago Im assured I will receive the bonus, and now today Im being told something different.

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 2019-10-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had an interest free for 12 months promotion on my XXXX XXXX credit card. A payment arrangement was made so that I would make equal payments every month until XXXX of 2018 when my account would have {$100.00} left in it and an autopayment was prescheduled for that amount. Due to the interest free period and autopay nature of this agreement, there should not have been any fees added to this account balance. However, after all autopayments were made on time, in XXXX of 2018, they claimed a {$30.00} fee was added and unpaid and promptly added {$840.00} in interest penalties to an account that should have been at XXXX and closed. I have now been sent to collections with Portfolio Recovery Associates for this large interest charge that was incorrectly added by XXXX. I have disputed this matter with both companies and have been told that it is out of XXXX XXXX  hands and that portfolio recovery associates deny my dispute. This is fraudulent business practices and I will not be paying these interest charges. I would urge anyone considering being a customer of XXXX XXXX to go to any other local electronics dealer where you will find a better deal and less predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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:
I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-04-05
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: Information belongs to someone else

Complaint:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2018-02-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the ChexSystems about two accounts thats showing on my file. XXXX and XXXX XXXX. I have asked chexsysystem to remove these accounts but they refuse to do. I would like Proof that these accounts belongs to me. XXXX sent me some bank statements. thats not what I would like. I want some the orgianal documents from 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 explanation
Consumer complaint received 2019-10-28
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In or around the last week of XXXX. I was informed that my mortgage had been transferred to a different servicer, LoanCare LLC. I was not informed at that time that my monthly mortgage payment autodraft would transfer to the new servicer. I attempted to log in to the new servicer portal on or around XXXX XXXX, but the loan information was not available at that time for customers being transferred from my old servicer. Because the payment was due, I called and made a phone payment through their automated system that same day to ensure I would not be late with my payment. 

On XXXX XXXX, the autodraft came out of the account, resulting in a double payment. I called LoanCare on or around XXXX XXXX to request the additional payment be refunded, and I was told that the funds would return to my account on or around XXXX XXXX. The refund never appeared. I called XXXX XXXX at XXXX to follow up and was told the customer service representative on the first call had failed to inform me that I would need to submit proof of payment in order to have the refund processed. The CSR asked if I would like to begin that process. I declined, since the mortgage is now prepaid through XXXX, and it's too late in the month to have any cashflow benefit at this point. 

LoanCare 's communication at the servicing handoff and at their customer service line has been abysmal. If I hadn't transferred money from my emergency fund to cover the potential double payment scenario, I would have overdrafted. In the short term, this has caused significant cashflow headaches for my household.

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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 
( 1 ) DepedXXXX # XXXX {$21000.00} ( 2 ) DepedXXXX # XXXX {$12000.00} ( 3 ) DepedXXXX # XXXX {$10000.00} ( 4 ) DepedXXXX # XXXX {$7700.00} ( 5 ) DepedXXXX  # XXXX {$7400.00} ( 6 ) DepedXXXX # XXXX {$7100.00} ( 7 ) DepedXXXX # XXXX {$5900.00} ( 8 ) DepedXXXX  # XXXX {$5700.00} ( 9 ) DepedXXXX  # XXXX {$5500.00} ( 10 ) DepedXXXX # XXXX {$5500.00} ( 11 ) DepedXXXX # XXXX {$5300.00} ( 12 ) DepedXXXX # XXXX {$4500.00} ( 13 ) DepedXXXX # XXXX {$3500.00} ( 14 ) DepedXXXX # XXXX {$1300.00}. 
15 U.S.C. 1681 section 602 A. States I have a 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 reporting 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 2021-11-17
Company: CREDIT ACCEPTANCE CORPORATION
State: NE
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:
Back in 2012, I filed for XXXX and a car loan was included in this XXXX. XXXX XXXX recently served my employer for garnishment on XX/XX/XXXX, this is a 9-year-old debt that overpasses the statute of limitations in my state. Nebraska, the statute of limitations 5 years from the last payment made. This means that a creditor or debt collector may not sue you for debt after five years have passed. If the agreement was verbal, then that number is reduced to 4 years in the state of Nebraska. I have been harassed by this creditor in the last 6 months calling me at work calling on weekends portraying they are laws enforcement. I was served a summons for XXXX this debt is 9 years old.

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 2023-05-21
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please check and investigate the date of the last activity in this account. I believe that this violated my privacy and stole my identity by reflecting my credit 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 2023-06-17
Company: EQUIFAX, INC.
State: TX
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 :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided 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. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account & Inaccurate Information Linked To This Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 2018-10-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I closed on this property on XX/XX/18 none of the VA standards were met and the basic standards were not met. The selling agent provided paper that was false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: NY
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 current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Cash Express, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took a payday loan out through Cash Express in XXXX, KY. After doing so my spouses mother XXXX  which caused me some time off work and then the father of my child quit his job so we lost our child support. Both things caused a decent decrease in my income right at the time I was supposed to pick up the loan. When I did n't pick it up they sent it to my bank even after I called and let them know I could n't pick it and I needed time. This caused the due amount to change to {$610.00}. When I went in to speak with the people who work in the store I was told this is a felony charge and they would take me to court at the sixty day  mark. Now I 'm freaking out!! They want me to pay the {$610.00} and promise to let me take out {$250.00} but I 'm still really in no shape to pick it up and I do n't know what to do. I do n't want to go to jail or have that on my criminal record. What should I do??? They want me to pick it up this week!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: The Bureaus, Inc.
State: DC
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:
Just letting you know that I contacted the company and they don't have your information and its not in their system of record. you have filed the dispute with all three credit agencies who says they have verified and no verification was sent the account is closed and should be deleted from our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a e-mail from a XXXX XXXX after filing a complaint to the XXXX XXXX XXXX XXXX. XXXX XXXX told me via voicemail that the XXXX XXXX XXXX XXXX provided my information to him. I tried getting in contact with him and haven't been able to. He tells me to only contact him by telephone. I went to my local Bank of America close to my home and spoke to a banker, not the bank manager this time. I also spoke to a live representative on the telephone who stated she doesn't know a XXXX XXXX. The banker who assisted me suggested it was spam or an impersonation. So I am writing to verify who reached out to me. 


Thank you, 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 monetary relief