BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-07
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$260.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$260.00} -This is not my account.

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 2019-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Equifax failed to contact me or CFPB within the allotted amount of time. 

XXXX  requested personal information ; full name, ss number, addresses for 2 years before looking into my dispute. 

XXXX gave no information within their allotted time frame. 

Please refer to my first complaint for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: OH
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:
I am a victim of identity theft. I have lots of inquires on my credit that I did not authorize nor did I know about. These inquiries are affecting my score in a negative way. I lost my wallet last year which had my drivers license, social security card in it. I have 2 credit cards one is XXXX XXXX and the other is old nave which I am a authorized user for the XXXX  XXXX. My score was in the 700 's now it is in the high 600 's. Remove these immediately! I do not own a home, I do not own a car. The inquires in dispute are : XXXX XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Supermarkets XXXX/XXXX Inquiry : XXXX XXXX, 2017 +  Complete Dept. Stores XXXX Inquiry : XXXX XXXX, 2017 + Personal Loans Cos. 
XXXX XXXX Inquiry : XXXX XXXX, 2017 + All Banks XXXX Inquiry : XXXX XXXX, 2017 + National Credit Card Cos.

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 2020-09-06
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020, I received a notice from Sequium Asset Solutions that they were collecting a debt I owed to XXXX ( see attached ). I do not recognize the debt or believe that I owe anything to XXXX or Sequium, so I sent a validation letter ( attached ) asking for additional information about the debt. I sent the letter to the address provided on their letter asking that they stop collection efforts until they provide me information proving that I owe the debt they are trying to collect. 

I did not receive any of the information I requested in my validation letter. I did, however, receive calls from Sequium attempting to collect the debt on XX/XX/XXXX and XX/XX/XXXX ( see attached phone records, relevant calls are highlighted ). On both occasions, I answered the call and explained that I sent a validation letter and I need further information about the debt before I was willing to discuss payment. I further advised that further attempts to collect the debt are in violation of the Fair Debt Collection Practices Act, at least until they can provide the requested information. On both occasions, the person I spoke to advised me that if I have questions about the debt, I will need to contact XXXX XXXX billing department and that they do not have to provide billing information since they are collecting on XXXX XXXX  behalf. 

I have continued to receive calls from Sequium Asset Solutions,  most recently on XX/XX/XXXX, twice on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached cell phone call logs ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank XXXX # XXXX, has violated my rights. 

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.

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 2017-09-18
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech credited my account with a {$5000.00} incentive which I met the qualifications for. Ditech then withdrew the credit.I have been trying to get an explanation for over a year.I received a brief blurb from one of their office paralegals stating that everything was right. This is not acceptable. Please review the documentation. I sold the house on XXXX XXXX, 2016. I received around {$2400.00} form escrow, but believe Ditech may owe me additional funds. I have attached documents. Please review and help me receive an adequate explanation and not a vague response to an important consumer concern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was checking my credit report to make sure that the information that was there was accurate and found out that I am the victim of identity theft. I noticed an account that was on my credit report that I didn't apply for. Somehow someone used my personal information to fraudulently apply for a credit card. I am not sure how my personal information was obtained but the criminal has charged over XXXX XXXX dollars on a credit card that I did not authorize an application for and that I do not have.

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 2020-01-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was checking my credit report to make sure that the information that was there was accurate and found out that I am the victim of identity theft. I noticed an account that was on my credit report that I didn't apply for. Somehow someone used my personal information to fraudulently apply for a credit card. I am not sure how my personal information was obtained but the criminal has charged over XXXX XXXX dollars on a credit card that I did not authorize an application for and that I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: NC
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:
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. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2023-06-15
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:
I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX I understand that failure to investigate these accounts within period of XXXX days will result in " non-verification '' which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j- requires that I received both written notification of the appropriate corrections and updated credit reports at no charge

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 2020-01-25
Company: Caliber Home Loans, Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a modification in XX/XX/XXXX due to the loss of a domestic partner that contributed to bills and was denied. They requested I be placed on a repayment/forebearance plan. My regular payments at the time were $ XXXX/mo. They approved repayment at {$2100.00} for five months to cover arrears and I would be current. Obviously, if I cant pay {$970.00}, I definitely cant pay over 2x that amount. Being defeated, I tried once again in XXXX, XXXX. After numerous calls with no updates or communication, I was denied again because the date on the application was older than 30 days ( it had been in underwriting with a complete package for the majority of this time ). By the time I was able to respond, it was too late. Fast forward to XX/XX/XXXX when I was advised I had a complete package. Ive called about 7 times to check the status only to be advised it was still in underwriting. They refuse to provide me any details around what steps have been taken nor whether theyd need any updated information and to call back in a week. In the meantime, the application is reaching that 30 day mark. Im sick of dealing with this company. I keep getting the runaround and am in great risk of foreclosure on my home. I will have no place to live. I need some transparency into this process. I know there have been class action lawsuits against this company because of their failure to follow due dilligence when people are struggling to keep their home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Back in XX/XX/XXXX, when the Corona Virus outbreak began, I heard that Governor XXXX XXXX was offering an assistance program to help families who are experiencing financial hardship due to COVID-19. I had contacted HMF and requested payment assistance with my loan and I asked them to extend the term of my lease agreement. This is because I had lost my job on XX/XX/XXXX and because I spent a lot of money paying them {$600.00} on XX/XX/XXXX for property taxes which is a large sum of money with my low unemployment income. I am leasing 2 cars, a XXXX XXXX XXXX and a XXXX XXXX XXXX for a total lease cost of : {$460.00}. HMF had agreed to delay payments for one month and they told me in order to keep getting assistance, I should contact them every month. After the first month of assistance, I did not call back, as my financial situation stabilized enough for me to make payments. After a period of about 2 months, On XX/XX/XXXX, one of my vehicles had been towed. When I had contacted HMF, they had told me that this happened because I was 3 months past due on my payments. Prior to this, I had auto pay set up from my banking account. Since I had asked for financial assistance, instead of postponing my auto pay, they canceled my previous agreement completely, and left me unaware that my autopay was no longer active. There was no urgent email or mail, informing us that our payments were past due. I agreed and I paid a total of {$1400.00} for two months of payments for 2 cars. I was charged a late fee totaling {$59.00} for 2 cars. 
Since I was late on my payments, HMF charged me an additional miscellaneous charge of {$420.00}. They also destroyed my credit. On top of these extra charges, I spent {$370.00} for towing. This made things very difficult for my son since he was unable to work because his car was towed. This caused a lot of financial problems, ones we would not have if it werent for HMF.

I believe that this situation is only HMFs fault because they didn & # 39 ; t give me full information from the beginning, and they didn & # 39 ; t contact me by email or mail. HMF is abusing the corona virus situation by forcing excessive charges on people who are struggling. Hyundai Financial Department is very unorganized and uneducated. Management is very rude. I & # 39 ; m leasing my 2 cars for 2nd turn  with HMF, but this will be the last one.

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 2019-03-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My ( XXXX XXXX XXXX XXXX ) escrow account was short for this year because we had built a new home and taxes were based off the lot appraisal only. I ( XXXX XXXX XXXX ) contacted Penny Mac Loan Services on XX/XX/XXXX. Because our escrow was short we were making a payment of {$1700.00} to make up the shortfall. I decided to make one lump sum payment of {$2800.00} to pay off the escrow shortfall with a confirmation number supplied by Penny Mac Loan services of XXXX. It was drafted from my bank on XX/XX/XXXX. 

I very specifically asked if our new payment of {$1300.00} ( normal payment less escrow shortage ) would start on XX/XX/XXXX. The Penny mac representative assured me my new payment of {$1300.00} would be effective that date. 

On XX/XX/XXXX I logged into my Pennymac account and noticed it still showed {$1700.00} due on XX/XX/XXXX. I again called Penny Mac customer service. They again assured me only the correct amount of {$1300.00} would be billed to my account on XX/XX/XXXX. 

On XX/XX/XXXX my autopay payment had not been subtracted as normal. I called to verify that no changes had been made that effected autopay. They stated that the payment would be debited on XX/XX/XXXX because the first was the Friday. And stated for now THE THIRD TIME that my payment would be {$1300.00} as I had paid off the escrow shortage completely. 

On XX/XX/XXXX. After three different representatives stating my payment would be {$1300.00} because of paying off the escrow shortage in total Penny Mac billed me {$1700.00}. They stated they " messed up ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I went through the student loan rehabilitation program. After my 9 months of payment and my loan being sold, the agreement was that the derogatory marks regarding the student loan would be removed ... in fact the contract explained that the original credit line would be removed entirely. I submitted online dispute with TransUnion ( X/XX/17 ) and the results came back of which did not include deletion of the credit line. Please review the last line of the document submitted.

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 2019-09-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, THESE ACCOUNTS HAVE CAUSED TREMENDOUS DAMAGE TO MY FILE AND NAME. I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I RECENTLY PULLED MY CREDIT. PLEASE CONSULT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Years ago i disputed this account that is not mine with Portfolio recovery. At the time i was told they would remove it from my credit reports as it was not mine. Well years later here we are and i am applying for a mortgage and i find out this account is still on my credit reports. This is outrageous. I disputed it with the credit bureaus recently and they have " Verified '' that the account is accurate. I am so mad right now. I need this account that is NOT mine removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I attempted a loan modification on XX/XX/ and was denied and now I'm facing a foreclosure on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: SIMM Associates, Inc.
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company stated my " account '' was removed from their system and I would not receive calls anymore. Never purchased any products or services from XXXX XXXX so there should not be an account in the first place. Still calling with fake spoofed caller ID number that does not belong to them. As of writing time of call was XXXX my time. I will continue to file complaints against XXXX XXXX every day they call my phone.

Company response to consumer: Closed with explanation