BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX, I bought a house with my son 's father. Sometime in XXXX, the mortgage company, XXXX XXXX XXXX transferred business to Pennymac. Once it was transferred, my name was no longer on the mortgage. When I called regarding this, they said they have no record of what I'm talking about and then wouldn't talk to me, only XXXX XXXX, who was also on the mortgage, but they only had him listed. It was also removed from my credit report. 

XXXX our relationship ended. I took my name off of all shared accounts. I did not contact the mortgage, as I was told I wasn't on it. 

XXXX I notice it back on my credit report, due to it almost going into foreclosure. They told me that if I didn't sign paperwork letting XXXX XXXX change the terms of the mortgage, the house would go in foreclosure, but I can get off the mortgage in XXXX months. They told XXXX XXXX to get me off the deed and that would make the process faster/easier. So he did that. 

XXXX, after the few months they stated, they now tell us he has to make XXXX on time payments, and I can not get off without refinancing. And the fact he took me off the deed, did not matter. 

XXXX  months comes and goes and it's a whole different story. 

Everytime we call, we get told to do different things, or get told different things. I just want to be off the mortgage. I have had XXXX other addresses since that home, so it's clear I do not live there and haven't in awhile. They refuse to do any pardons that would avoid refinancing to get me off and not have my son 's father 's mistakes affect me, and I'm stuck in a rut with a mortgage and a house that I don't even live in anymore. 

They are not taking any responsibility. If I knew my name was still on the mortgage, I would've removed it like I did everything else. Not find out I'm back on after it almost goes into foreclosure. 

They do not communicate well or consistently. There are options out there for people like me, and they refuse any peaceful resolution and rather make things difficult since the beginning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have over XXXX inquiries on my Transunion credit report. 
unauthorized use of name

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 2023-03-30
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am flabbergasted how a debt collection company dares to report a ridiculous amount to my credit reporting agency without having any contract nor any document that could validate such debt. 
I had no debt to such creditor. The debt collection agency has reported this false collection amount fraudulently without following their legal steps. The debt collection agency is just trying to bother me by reporting a false claim instead of contacting and presenting documents to validate the debt. 
Furthermore, the collection agency is being unresponsive and abusing the credit reporting agency for their own wrong doing. 
I have no contract and no such proven debt. Due to lack of any validation of this debt the collection agency needs to be penalized not following Debt Collection ACT rules and regulations. 
On another note the amount of {$64.00} is such a ridiculous amount that is another proof to my claim that the reporting agency is being abusive. 
I need this falsely reported amount removed from my credit reporting and I definitely want federal support against such abusive unlawful practices conducted just to bully customer instead of conveying through competent legal system. 
my contact number is XXXX should you need any further verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: WASHINGTON FEDERAL BANK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My American bank, Washington Federal, has recently changed its policy regarding electronic transfer of funds to a non-US bank. For years, I have been able to make such transfers to a Danish account in XXXX, which I did most recently barely three months ago ( XXXX 2016 ). But on my latest transfer ( yesterday ), I was forced to have the funds sent as XXXX, with Washington Federal ( WF ) making the conversion. This is apparently a new policy. The XXXX bank 's conversion rate has always been more favorable to me than WF 's rate, and in this particular case, the fact that I was forced to have WF make the conversion cost me a full 3 % of the total amount of the transfer.

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 2023-03-30
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX LVNV placed a debt from XXXX XXXX for a credit card in the amount of {$6600.00} on my credit reports in XX/XX/XXXX letters for account verification where sent to LVNV Funding And XXXX XXXX to which both failed to verify the debt so it was removed from my credit reports. XX/XX/XXXX LVNV Funding has a new owner Resurgent Capital Services, they have placed the debt back on my credit so I sent out a account verification letter to Resurgent Capital Services on XXXX XXXX XXXX  giving 30 days to respond it is now XX/XX/XXXX and they have not this is long enough for this debt that does not belong to me to be removed Also I was able to have it removed by XXXX dispute # XXXX on XX/XX/XXXX but not XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Specialized Loan Servicing Holdings LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My first complaint addresses the fact that XXXX XXXX XXXX sold my mortgage loan to a company by the name of ( SLS ) Specialized Loan Servicing , LLC. However, I was never informed by XXXX XXXX XXXX of this transfer. ( SLS ) did in fact inform me of the transfer after the fact by sending me a mailed letter through regular mail XX/XX/XXXX. 
On XX/XX/XXXX, I called XXXX XXXX XXXX concerning a letter that they had sent to me stating that I had missed four payments. The representative and myself from XXXX XXXX XXXX went over my payment history and could not find these four missed payments. However, during this call ; there was no mention about of a loan transfer. As a matter of fact, the last thing she asked me was " When was I sending in my next payment ''? 
Also, ( SLS ) sent me a letter stating that they will foreclose on my home on XX/XX/XXXX. I have submitted the letter that was sent, and copies of my Bank statements showing all of my payments. Be informed that, UCC 3502 states that if you were late, you are in dishonor, but from the moment they accepted your payment ( cashed your check or posted payment to your account ) then it is to be treated as never being in dishonor ( never being late ). 
I have attached the document labeled XXXX # XXXX which is the last letter and only recent letter that was sent to me by XXXX. It mentions nothing about my loan being transferred. If XXXX XXXX XXXX claim that they informed me of the transfer ; that will be a false statement.

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 2016-03-08
Company: Northstar Location Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In the last 3 weeks I have gotten 4 calls from the following number : XXXX with the following message : This message is for ( my name ). If you are not ( my name ) please hang up. By continuing to listen to this message you agree that you are XXXX XXXX. My name is ( insert name here ) and I am calling from Northstar Location Services please return my call at XXXX regarding a debt collection. 

I do not have any outstanding debts. I have looked up the number and it there have been several complaints that this is a scammer number.

Company response to consumer: Closed
Consumer complaint received 2016-05-30
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt is over 7yrs covered by statue Of limitations. Previously disputed on the XXXX credit bureaus. Debt dates back 1999

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2016-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX XXXX made an inquiry on my credit report without my permission and Transunion allowed them to. I am getting the run around from both XXXX XXXX and Transunion on why this happen and to cease this from happening in the future. After speaking with the XXXX person, XXXX, at XXXX and being hung up on 4 times he told me to contact you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was referred to XXXX XXXX I should have been referred to XXXX Labs for my lab work. My doctors referred me there. I have XXXX XXXX and have contacted them. I do n't think that I owe {$180.00} to XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Equitable Acceptance Corp
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Equitable Acceptance Corporation is charging me a fee for a service that is free through my student loan advisors. They sent in an application to my student loan company on my behalf ( which I was unaware of ) and also called there to confirm the application was accepted. They are charging me {$1300.00} for this service which is unacceptable. They gave me 3 days to cancel the contract, which I did n't realize was fraudulent until I received an email from my student loan company. Yes I signed the contract, unaware of the fact that I could get this service for free. They have informed me they will send me to collections if I cancel the contract. This just is n't right. I am already having issues paying my loans back and now they want to charge on top of that. I feel they are taking advantage of people like me, that can get these services for free.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. I'm looking forward to the correction or removal of the following accounts ASAP. Thank you. 
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 2017-10-13
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I ordered furniture with this card and they immediately closed my card because they said it was fraud. I then called and verified my information and they said my card was fine and reopened. But then I got an alert on my credit report that the account was closed and it dropped my credit score.

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 2023-03-30
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXXXXXX : XXXX, DEPT OF EDXXXX : XXXX, XXXX : XXXX, XXXX, XXXX : XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX, XXXX. : XXXX, XXXXXXXX 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 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 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 2023-03-30
Company: Experian Information Solutions Inc.
State: NJ
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-05-24
Company: Gold Star Finance, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
An employee with Gold Star Finance by the name of XXXX XXXX has repeatedly came to my home. When I am not home she has gone to my neighbors home and asked them what time I am home and what time I usually leave. She calls me constantly and leaves messages saying my account will be having further action taken on it if I do not contact her. I work very odd hours and sometimes I am home when she has come but asleep. When I am awake the office is closed so I am unable to contact them. I am well aware I owe the debt but XXXX collection ethics will not get me to pay any quicker.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a issued with Capital One Auto loan, I was a Co-Signer and The vehicle got Totaled, Capital One had gap insurance to pay it off and they refuse to pay, and I was told I had to pay the remaining balance {$880.00}, that I cant afford to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 discovered that the same information on my credit report was inaccurate when I reviewed i in my updated report in Identity IQ. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 corrected : 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 2021-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Received card took me 3 calls and around 2 + hours to set up an automatic bank payment on card. They didnt take automatic bank payment on the first payment I called up to check on a promotion they offered for 100 dollars after I spent 1000 dollars on the card. The first message I received said this call would be an attempt to collect a debt. I found out they had my information and didnt use it to collect my payment affecting my credit score and the terms of the credit card they issued me which was supposed to have 18 months interest free.

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
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: NY
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 been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I recently received a copy of my Transunion credit report. The credit report showed a credit inquiry by XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

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 2015-11-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
CAN NOT GET A COPY OR INTO REPORT ONLINE, WHILE I HAVE BEEN AWAY ATXXXX XXXX XXXX XXXX I THINK MY PARENTS ARE USING MY SOCIAL SECURITY NUMBER, INCLUDING A ELECTRIC BILL THAT I JUST GOT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation