BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-06
Company: Experian Information Solutions 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:
Credit inquiries on my report that I don't recognize.

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 2018-01-17
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX/XXXX/2018 - I answered a call from Transworld Systems. The individual refused to talk to me unless I provided him with my personal contact information. I advised him GLB, FDCPA, and TCPA ( as they had been contacting my cell phone regularly ). I asked for Verification of Debt. They  refused to provide this as I would not verbally give them my personal information. I told them they could provide me what they have and I would confirm but as I do not know who they are nor does their company sound like a financial company in charge of debts I was not willing to provide anything organically without verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with SANTANDER CONSUMER USA. The current status should not be showing late because I think I paid on time. This just proves that the 3 Credit Bureaus lacks proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. How can this be fall to a charge off account when the balance is already XXXX. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
SANTANDER CONSUMER USA XXXX Opened XXXX XXXX, XXXX Balance {$0.00} SANTANDER CONSUMER USA XXXX Opened XXXX XXXX, XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hi on XX/XX/21 I sent a XXXX payment to my bank account that was closed. I contacted PNC and they said the funds have been rejected. I contacted XXXX and they said the funds have been accepted. So for the past month I have been trying to get my money back to no avail. Then this monday the I thought I cashed out to my XXXX account but it did the same thing. So now I have XXXX $ just sitting in limbo. XXXX or PNC are being absolutly bo help and it is getting furstrating. I have provided proof of the rejections and have contacted cashapp over a dozen times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-17
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXX I received documentation from XXXX XXXX XXXX stating that their office had reviewed the account with XXXX XXXX in the amount of {$470.00} and have made the decision to discontinue collection efforts therefore deciding to submit a deletion request to the credit bureaus.Today I have received a notification from XXXX stating that a collection account has been added to my credit reports, to my surprise it was the EXACT same collection under a different collection agency called Diversified Consultants trying to collect the exact same debt! Not only was I not previously contacted ( by phone or email ) from this company, it is also stating the debt was opened in XX/XX/XXXX how is that even possible? In addition to that, I have no prior knowledge and NO CONTRACT with this company called Diversified Consultants, I am requesting they send a deletion request to the credit bureaus to have this account removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: Kriya Capital, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My SSN was hacked or accessed in fall of 2022. Multiple credit cards were attempted to be opened ( most credit card companies called/thought it was fraud so I was able to stop it ). Even though these actions were done, an account from XXXX XXXX XXXX for an amount of {$1400.00} was added to my credit report, from a debt collector, Credence Resource Management. I filled out the identity theft packet that Credence sent me to file it as theft, and talked to them on the phone ( today XX/XX/2022 ) and they said XXXX XXXX XXXX communicated back to them stating it was invalid and that I owe the {$1400.00}. Credence now said they will resend the same packet for me to fill out to start the process over. I have not heard anything directly from XXXX XXXX XXXX besides confirmation emails that they received my theft application. I DID NOT open this account and am trying to take all measure to close it and show that it was fraud. I want to get this account deleted off of my credit report ASAP and any help would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Actual case : XXXX - this above case was just closed by Bank of America after 60 days ( cfpb max timeline ) - i got secure email on XXXX saying they need more time ( upto XXXX XXXX ) - BofA already took 6+ month in the internal case and 60 days after opened case in cfpb.not sure why they need more time. 
- asked the same they didn't respond my email. 
- on XXXX XXXX XXXX PST, talked with cfpb agent. he mentioned wait for their response/solution ( XXXX XXXX ) and then give feedback. If required, open separate case saying issue not responded/resolved but closed the case. he cant re-open the actual case. 
- so i am opening this case as no response/solution from BofA until now ( XXXX XXXX, XXXX XXXX  PST ).

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 2023-11-23
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:
I am showing to have a Bankruptcy on my Public Record and upon my follow up with the courts I was provided the attached letter that states that this should not be the case.

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 2022-12-09
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper is the Mortgage Company that is currently holding XXXX as unapplied funds for my XXXX payment. My XXXX payment is XXXX. They keep on sending me unapplied funds letter with only XXXX of unapplied funds. Problem is they are holding more. I have attempted to call, to speak with my Mortgage agent, but can't get ahold of them and can't leave a voicemail. I have used their chat function, and I have sent an email with no response. 

They will not apply the funds to the payment for XXXX, but they are just holding the funds and no one will answer my calls or emails or chats with any information or provide me with the correct information. 

I have paid my XXXX mortgage and they will not apply the payments to my account for no reason that makes sense. 

I am including payment activity from Mr. Cooper and snap shoots from my bank with the payment information. I am also including the payment screen. The amount due of XXXX is for XXXX, which i have until XX/XX/2022 to make the payment ( as per the loan agreement ). My account isn't past due. I just want my payments to be reflected and not held somewhere indefinitely and for the wrong amount. 

I just want my payment to be applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX XXXX in XXXX of XXXX at the total of {$7100.00} with a down payment of {$4000.00} and a monthly car note of {$250.00}. 

However, today they told me my payoff amount is that of {$6700.00}!!!!! This should not be the case for a car I put down half leaving me with a total of {$3100.00} to pay. 

The car didn't pass inspection and I had to come out of pocket with an additional {$2000.00} to pass Maryland inspection. XXXX sold me a Lemon!!! 

I've been calling this company all morning to retrieve my account number and every time I call they send me to a survey line.

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 2017-09-30
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had service with the company and I moved. When I moved the company could n't provide the service I previously had and suggested another offer they had. When company tried to install the new service it did n't work and the are trying to charge me for the service I never had at my new address. I informed them that since the service was never hooked up in my home in which they are trying to charge me for because they tried to install it over the phone and it did n't work that I should not be financially responsible for it. I later found out that they do n't service the exact building complex I live in and had to use another service anyway. In the building I live in you have satallite dish in order to use service and they do n't offer that through their company they have another company they work with for that. I never used the service and then they told me that it was a previous balance. I asked them how could it be a previous balance because they would n't even had tried to transfer my service if I had one. This  complaint is against XXXX XXXX XXXX amount is about {$210.00}

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 2022-12-09
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:
Hi, My name is XXXX XXXX, the following items I have attached are items in my report that I need deleted. 
I am a victim of identity theft and did not make nor authorized these charges. I ask that the items be deleted to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as they are preventing me from being able to purchase my home Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I am a XXXX XXXX XXXX  vet also the widow of a XXXX XXXX XXXX XXXX  veteran. I financed a home using my VA entitlement through rocket mortgage. 
As a veteran I am able to allow another veteran to assume my home mortgage using their VA entitlement and my entitlement will be restored. My daughter who is also a veteran with great credit and very able to afford the mortgage wants to assume my loan. The mortgage principle is 490k and it appraised for 580K. 
which doesnt really matter because the loan is being assumed as is. It remains the same from one vet to the other. 
Rocket mortgage refused to release my entitlement unless I paid them 26 thousand dollars first. I called the VA and was told that is not the policy of the VA. 
If I try to purchase a different home I will have to pay hundreds of dollars extra monthly for mortgage insurance and put down a large down payment. XXXX says it supports veterans. I certainly dont feel supported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TD BANK US HOLDING COMPANY
State: LA
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 reviewed my credit report and noticed a TD Bank credit card account that was not mine. I saw a New York apartment address associated with it. I have never had a New York address. Credit limit is {$2200.00}. Date open was XXXX. Status is current. Same day, I filed disputes with experian, XXXX XXXX XXXX. 

XXXX I read reports from all 3 credit companies and all three still had this TD account on my report. 

XXXX I called transunion and they said that they were convinced that the coping was mine because TD bank told them that when the person applied for the credit card that they supplied my name, social security # & address. Isnt that textbook identity theft? To me, thats not compelling evidence. 

I called TD bank and after 30 seconds of speaking with them they determined that this account was fraudulent after giving them my name, social security # & address. I was amazed that I could make this discovery in 30 seconds yet all three credit monitoring companies took two weeks to come to a different conclusion. The first person that unspoken to got me in touch with someone from their fraud department who said he needed to bring it to their credit card security team who would investigate and send me a letter in the mail. 

I then called XXXX and they told me the same common sense lacking information as transunion. XXXX told me to file a police report and a report here so that I could Provide them with proof that this account is fraudulent and then they would re-open their free investigation. Apparently they want you to pay for a real investigation. Im not a lawyer, but a report to the police or FTC is not proof- so I dont see how this changes anything. 

Thanks you any help that you can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: R.M. Galicia, Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, IL XXXX Email : XXXX Phone : XXXX Subject : Formal Complaint Against Progressive Management Systems Dear Sir/Madam , I am contacting you to dispute a debt in collection and to file an official complaint against Progressive Management Systems , citing potential breaches of federal regulations related to debt collection. 

Debtor Information : Name : XXXX XXXX XXXX. 
Date of Birth : XX/XX/1978 Last XXXX of XXXX : XXXX Company Details : Progressive Management Systems ( Known as XXXX XXXX  ) XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX CA XXXX Outlined below are my specific concerns : Debt Validation : I am requesting comprehensive evidence and associated documentation that substantiates the debt they claim I owe. This should include the original creditor 's details, a detailed debt breakdown, and any agreements authorizing Progressive Management Systems to collect this debt. 
Potential FDCPA Violations ( 15 U.S.C. 1692k ) : I believe some actions and communications from Progressive Management Systems may contravene the Fair Debt Collection Practices Act. I urge the CFPB to thoroughly assess these potential infringements and ensure my rights under the FDCPA are not being compromised.

Concerns Under the Fair Credit Reporting Act : I have noticed potential inconsistencies in how this debt is reported on my credit profile. Given the rights and protections under 15 U.S.C. 1681n and 1681o of the FCRA, I seek a rigorous review to determine any possible violations regarding the accuracy and fairness of such reporting.

Communication Preferences : For clarity and effective record-keeping, I request that all subsequent communications from Progressive Management Systems be in writing. I hereby revoke any permission, if provided earlier, for the company to contact me via phone or other electronic means.

Given the potential ramifications on my credit standing and overall financial health, I appeal to the CFPB to prioritize this matter. I am seeking your intervention and guidance to ensure my rights are safeguarded and that any breaches by the company are rectified appropriately.

I appreciate your commitment to protecting consumers and look forward to your guidance on the next steps. 

Warm regards, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached XXXX FTC reports with a collection and inquiries I did not authorize, please delete

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 2020-01-06
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:
I was at XXXX trying to buy a car today XX/XX/19 and when they ran my credit I was told that I did not qualify for a low-interest rate due to my credit being in bad standing. I had no idea that there were accounts reflecting badly on my credit before today because I always make sure to pay everything on time ; When I looked through the accounts, I immediately realized that they do not belong to me. These accounts were opened by someone else without my permission. I don't know who is responsible for this but I have already filed a police report. I did not make any payments towards any of these accounts nor did I gain anything such as money, goods or services from any of these accounts.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance 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