BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is a complaint against the rip off companies XXXX, Transunion and XXXX. It is ridiculous that I have sent 2 letters on XX/XX/21 and XX/XX/21 and still have not received notice that a investigation has even started nor have I gotten any resolution! In my letters it details my disputes about the falsely inaccurate accounts on my Credit report that have been reported by these companies. The negligence I have experienced as a consumer isn't right and I just want to be treated fairly as the FCRA laws permit me to, I come to the CFPB as I need help to be properly addressed in my dispute and not ignored for almost 6 months. 

I want original documentation to be provided by these companies to support their claim to be supposedly reporting accurate Information. Failure to do so should result in deletion of the accounts and false late payments found on my report. Failure to mark these accounts " in dispute '' on my credit report is a FCRA violation along with not responding after 30 - 45 days is ground to have these accounts removed alone! I will sue if I am taking Advantage of further!

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 2020-08-27
Company: Financial Management Solutions, LLC
State: WI
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:
On XX/XX/2019. FMS Financial Solution added a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or SIGNATURE for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and say its mines. According to the FCRA FMS Financial Solution has violated my rights in multiple ways and I'm requesting legal action to remove this account Immediately.

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 2019-05-07
Company: CITIBANK, N.A.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Citibank was the holder of my student loans. I requested service-members civil relief act and also Requested deferment and did not receive either.

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 2020-05-13
Company: EQUIFAX, INC.
State: AR
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 received a couple of bills in the mail stating that I needed to make a payment for a loan. I dont owe a loan, I dont have any loans under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two bankruptcies and a couple of inquiries. A couple of other fraudulent accounts that are not mine. I have never seen these items in my life. Please remove these items from my report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 we signed on our VA refinance loan with PennyMac,  and set a closing date for our paperwork on XX/XX/XXXX. Penny Mac cancelled that closing due to an error in their calculation of our taxes, and did not let us know that they cancelled. We have spent the last 24 days calling every departemnt to help us, and no one can help put in the correct numbers. 24 days since be were to close, and we are about to loose the rate we locked into for the refinance, and no one can seem to help or call us back from PennyMac.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX is reporting a debt of XXXX $ For Gas and electric when I did not live at the reported address. I sent them a copy of my lease and the home inwhich I lived in when this reported. they wont remove from Credit Transunion

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 2018-02-13
Company: Experian Information Solutions 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:
My Experian credit report shows that I have two late payments, when I have none. I called Experian to ask them to correct the information and the agent told me that it wasn't possible. So, I asked her to identify the late payments and she was unable to. She told me that potential creditors would not care about the late payment listing.

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 2018-03-27
Company: LJ Ross Associates
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LJ ROSS Assoc, have received the official police reporting showing my identity was used without my permission to open a fraudulent utility account. They sent a letter stating they would cease communication without stating they would cease all attempts to collect the debt owed and removing the account from their record. The police department instructed for me to exercise my rights using CFPB and other agencies to get the matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was held by XXXX XXXX until XXXX of XXXX. In XXXX of XXXX, we requested relief due to COVID and XXXX XXXX gave us relief in the form of 3 monthly payments, covering XXXX, XXXX and XXXX of XXXX, that would be moved to the end of our loan. We owed {$1300.00} per month for those months which, again, were understood to be being moved to the end of our loan. We resumed paying XXXX XXXX in XX/XX/XXXX and didnt miss a payment until our loan was sold. 

Carrington Mortgage Services , LLC bought our loan from XXXX XXXX as a part of a disaster forbearance package. Carrington claimed we were delinquent for those 3 COVID months and owed all of it plus the month of XX/XX/XXXX, which was their first payment period as new owners of our loan. 

It took some time to get into contact with Carrington to find out what the issue was. We spoke to a woman named XXXX several times who told us not to pay the full amount owed on their website until we got to the bottom of things. Meanwhile, the letters from Carrington claiming we owe still more money for fees while the clock is now into the 3rd month without a result. 

We now owe $ XXXX+ for the original COVID forbearance and the 3 months since Carrington bought our mortgage and now Carringtons website wont even allow us to pay off the total, which were willing to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Navient Solutions, LLC.
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:
On XX/XX/2020, I sent XXXX, XXXX, and XXXX  a letter stating that there are inaccuracies on my credit report. Ive requested these items be removed from the creditors.I am a victim of identity theft and these accounts are associated with the case. I have not heard back from them.There are Multiple Student loan accounts on my credit report that are not mine.They are required to give me a response within 30 days and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Ove the last 60 days multiple unauthorized auto finance inquires present on my consumer reports from unknown creditors. 
In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX Auto Financial XX/XX/XXXX Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 2 and the  ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX  XX/XX/XXXX Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX  XX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : SXXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX  XX/XX/XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : Ally Financial 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 explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 the 3RD time I have sent a complaint about this fraudulent account from XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX. I have informed the 3rd Party collection and the credit bureaus that it has been reported to both XXXX Police and FTC. Now a 3rd time with the CFPB.

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 2020-07-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2020 I received an email from XXXXXXXX, ACE CASH SERVICES, stating that I was going to be legally prosecuted, reported to local sheriffs office, reported to my employer, have my wages garnished and reported to credit bureaus for past due loan that I have NO IDEA about! 

CUSTOMER ID : XXXX CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$930.00} CREDITOR - ACE CASH SERVICES This is to inform you that Legal Proceedings have been issued on your Docket Number XXXX with one of XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were unable to get hold of you. That is the main reason the Accounting Department of XXXXXXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is to be put on hold by the US Government, so before it happens we would like to notify you about this matter. 

Consider it is a final warning from our side. And we will be Emailing/ Fax this issue to your current employer to make sure that they take strict action against you. Your salary wages will be garnished too. 


THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Right Now We must have to proceed legally against you and your SSN, once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and then, the lawsuit will be the next step which will be cost to you {$4000.00} and will be totally levied upon you. If you want to take care of this out of the court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future. 

Let us know what is your intention towards this matter so we can put this case on hold else we will submit the paperwork to your local sheriff department and you will get court summons at your doorstep. 

WE ARE GOING TO REPORT ALL INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. DELAYED PAYMENTS, FAILED PAYMENTS, OR OTHER FAULTS IN YOUR ACCOUNT WILL BE REFLECTED IN YOUR CREDIT REPORT. 

TERMS & CONDITIONS YOU AGREED. 

If you want to resolve this matter then direct contact us thru email or call at ( XXXX ) XXXX between working hours XXXX XXXX  to XXXX XXXX ( EST ). 
In order to resolve this you can contact us at XXXXXXXX or E-mail us back onto the same email. 

Best Wishes ACE CASH SERVICES Phone ( XXXX ) XXXX Department of Law & Enforcement ( ACS ) Note : This Communication is from Debt collector. This is an attempt to collect debt. Any Information obtained will be subjected to that Purpose only.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had over {$1000.00} In overdraft fees and extended overdraft fees since XX/XX/2018. PNC says they can't refund any of the fees because they have already refunded some in the past. My account is currently over {$800.00} negative because they allow these fees to continue and allow my account to get more and more negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX 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 2022-07-05
Company: Experian Information Solutions 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 XXXX Account : Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX , Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/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 explanation
Consumer complaint received 2022-01-06
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Apple Mastercard, a product of Goldman Sachs, is showing the incorrect balance on my credit report which is adversely affecting my credit reports. The balance has not been updated since XXXX Yet, we are now completing the first week of the XXXX XXXX XXXX. This is not the first time Apple has proven negligent in correctly reporting my monthly credit card balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: AR
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:
Spoke with a fraud representative and after completing the issue at hand I advised the representative that XXXX XXXX was reporting incorrect balance, the rep stated its not showing a balance but when I review my Equifax.com it shows a {$79.00} balance which has been paid 30 days ago from this date. Also this account causes my credit use to show over 30 % which reduces my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OK
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:
Around the XXXX of XXXX I have been closely looking at my credit report as I was making extra payments to pay off my auto loan with XXXX XXXX XXXX. It was around that time that I was noticed that my credit report was not reflecting the payments that were being made. After contacting the company the advised me to start a dispute and that would get it straight. However, XXXX additional phones were needed weeks later in order to correct the problem. As I move to early XXXX I paid off my debt completely. After weeks of not seeing the report I decided to launce another dispute on XX/XX/XXXX. On a recorded line with Experian I was told that XXXX had not reported payments from XX/XX/XXXX until XX/XX/XXXX. My complaint is XXXX XXXX company has not been reporting my payments as they should. The Fair Credit Reporting Act promotes FAIR CREDIT REPORTING. It is not fair that they have reported all the bad stuff, but not all the good stuff. They are responsible for some damage to my credit report. I would like CFPB to obtain the the exact history of XXXX XXXX XXXX XXXX XXXX XXXX. If it is determined that they are in violation. I will be seeking a legal complaint in the necessary court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started a loan application in XXXX, and still haven't closed because of a tardy process run by Wells Fargo Home Mortgage. Throughout the process, very scarce updates were provided, usually only after multiple emails from me requesting for information. And then all of a sudden, I would receive calls asking if I would be willing to proceed acting as if all my emails requesting for updates didn't happen.

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 2020-05-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called PennyMac to get at 3 months loan payment deferral. I talked to three or four or five people all of them acted like they have never heard of that and all they know about is forbearance I told him I don't want forbearance I want a loan modification payment deferral plan but they acting like that doesn't exist and they kept pushing forbearance. One guy even told me after I asked him if he's ever done a payment deferral before the virus he said yes then I said let 's do it now and he said I have to ask for forbearance before I do a payment deferral

Company response to consumer: Closed with explanation