BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Pennymac regularly sends advertising emails about refinancing opportunities. In it it states that it will give a .05 % point credit in addition to a {$1100.00} credit towards closing costs. When I started the process with them, I referenced this add specificially as a motivator to pursuing a refinance. They started the process and did not inform me that this is only for purchasing a new loan, not a refinance as the advertisement states. I started the process and spent {$450.00} on an appraiser, get to the end of the process, and was informed that this was not applicable to me. Later, I went through a process of trying get my PMI waived due to the amount of equity in my home. They told me they would not start the process unless I paid {$100.00} for an appraiser. I asked a lot of questions feeling mislead by my previous experiences with the refinance, and they assured me this was to appraise my home and send someone out to take a look. They never sent someone out and sent me a letter saying that they would not waive the PMI. I paid for a service and I did not receive it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 am a victim of identity theft. The following account, collection accounts and hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX {$170.00}, XXXX XXXX {$140.00}, XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX and XXXX XXXX for a debt thats fraudulent, not mine and dont belong to me.

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 2017-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I just received an updated copy of my transunion credit report. They have an account that I have been disputing " XXXX XXXX XXXX XXXX " it is showing as an adverse account and is reporting as " account included in bankruptcy '' I NEVER filed for bankruptcy this information is completely wrong. I am submitting this complaint about transunion because I have been asking them to please correct this wrong false information and remove it off my report. I 'm getting nowhere. Bankruptcy should not be reporting when I never filed for chapter XXXX nor chapter 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 2021-07-22
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I had surgery at XXXX XXXX, My insurance paid all except {$5300.00}, which is now {$5300.00} because of a {$54.00} payment I made to the XXXX XXXX website in XX/XX/XXXX. In XX/XX/XXXX, I went onto the XXXX website to apply for financial assistance, and/or payment arrangements, I also updated my mailing address. After applying for financial assistance, I didn't hear anything back from XXXX XXXX, in which I thought I was approved for financial assistance. Almost two years later, I look at my credit report and see the Aargon collection agency, whom I never heard anything from, collecting the past due amount from XXXX XXXX and XXXX XXXX XXXX. After not being able to resolve this issue over the phone with XXXX XXXX ( XXXX ) billing, I drove to the XXXX  facility hoping XXXX  and I could come to a better understanding of why I wasn't receiving mail from them and to resolve this issue with this debt on my credit report. XXXX XXXX XXXX, I couldn't understand why I hadn't heard anything before putting this collection on my credit. To my understanding, XXXX didn't update my address, plus I asked Aargon to validate my debt, but instead was sent a copy of my medical records, which to my knowledge is a violation of HIPPA regulations. I never signed a HIPPA form authorizing Aargon to have access to this information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Experian Information Solutions Inc.
State: AZ
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 am a victim of identity theft and someone used my identity and personal information to open up a XXXX credit card account ending in : XXXX, I have never applied for a XXXX credit card. The account is fraudulent, unauthorized and dont belong to me. I didnt apply for a XXXX credit card 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 non-monetary relief
Consumer complaint received 2017-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am a victim of identity theft and someone used my identity and personal information to open up a XXXX XXXX XXXX account ending in : XXXX, I have never applied for a XXXX XXXX XXXX. The account is fraudulent, unauthorized and dont belong to me. I didnt apply for a XXXX XXXX XXXX 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 2021-07-22
Company: TRANSWORLD SYSTEMS INC
State: TX
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I came to US in first time my life on XX/XX/XXXX arrived through XXXX XXXX XXXX, XXXX. Stayed three Days then moved to XXXX XXXX, XXXX. 
On XX/XX/XXXX hired at XXXX XXXX XXXX after that I tried to open an account with XXXX XXXX Bank but they informed me there was someone with same social security number already with a bank account but with different second name is XXXX XXXX XXXX, and my name XXXX XXXX XXXX XXXX. 
I received latter from Social Security Administration on XX/XX/XXXX as I had worked : 1- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer ID : XXXX worked from XXXX - XXXX 2- XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Employer ID : XXXX. Worked XX/XX/XXXX, but I came US inXX/XX/XXXX. 
In XX/XX/XXXXI received latter from Trans Union for Initial Fraud Alert.After I requested for Credit Report. 
In XX/XX/XXXX I applied for credit card at XXXX XXXX XXXX then they replayed me not approved.

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 2017-10-22
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am a Discover Card Client and I was approved for a {$3500.00} credit limit months ago. I have had to use my card a lot lately due to some financial struggles but I have never missed a payment with Discover. I traveled for work this past week and rented a car and had to put my rental payment on my card. I had plenty of credit to make the charge and then tonight I go to use my card to get gas and it was declined. I knew I had credit on there but I get home and get an email stating that I had a message from Discover. They sent me a message stating they did an account review and they lowered my limit from XXXX to XXXX and because of the trip charges it puts me over the credit limit by XXXX which destroys my credit rating with the credit bureaus. Discover had no right to do this, but they chose to let the charges be put against my card even though they said they made this decision on the XXXX. My XXXX car rental charge was put on the card on the XXXX. They have screwed me, they had no right to lower my credit limit and then allow charges to go against my card. I have never missed a payment with Discover and yet they do this to me. This is not right as they are jepordizing my credit score and they do not care about how this is impacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please be advised last month I mailed Capital One requesting information on my credit card account. Specifically I requested Capital One provide me a full payment history on my account to substantiate the late payments they are falsely reporting to the credit bureaus. On XXXX XXXX, XXXX I received 2 letters from Capital One. One stated that they are REPORTING the account CORRECTLY which is false. The second letter stated that they have included the information I requested ( full payment history of the account to substantiate the false late payment ). THERE WAS NOTHING IN THE ENVELOPE. Capital One is violating federal law by reporting false information and is harming my creditworthiness with their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am having a hard time getting my credits reporters from these companies and they say that I do not have one but each time I want to increase my current credit card limit they provide information on me and when I reached out to them they says since u do not have soical security number we do not have a credit file for you!

please help me. I do not have a soical security number but I do have a credit card!

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 2017-10-22
Company: CNG HOLDINGS INC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX/XXXX/XXXX I visited XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Delaware XXXX the purpose for visit was to purchase a lawn tractor. I became interested in a XXXX XXXX ' riding lawnmower, retail price for the lawnmower {XXXX} dollars. 
XXXX offered XXXX no credit check XXXX line of credit, information provided by sales associate. Whom explained the program allowed to make minium payments, with initial payment in store following a payment plan to which I would own. 
XXXX XXXX XXXX, explained the terms of this line of credit through a third party lender. 
XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NH XXXX company is also known as XXXX. XXXX XXXX XXXX, obtained my personal information in order to initiate the line of credit with XXXX XXXX XXXX XXXX XXXX. A credit line was approved, it was explained that I would make payments in the amount XXXX after the minimum payment frequency the line of credit would be satisfied and I would own. 

On XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, Notified me claiming my minimum rent payment was satisfied and I am presented with XXXX options to purchase in amount XXXX or return the item or continue leasing the item. After informing the company I was never aware that this credit line did n't permit owning after minium payments were satisfied XXXX XXXX  XXXX XXXX XXXX, attempted to offer a reduction of the buy out to XXXX} or a recovery team would be in contact with me to collect the lawnmower from ownership. 

I paid XXXX frequency payments for the retail price of the lawnmower purchased, through XXXX XXXX XXXX XXXX XXXX terms and misrepresentations to no fees in credit line but more so unlnownly buy out I would be required to pay XXXX over retail price for the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSWORLD SYSTEMS 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 has violated my rights. 

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Yesterday, XX/XX/2022, I received an email from Target, saying as of XX/XX/2022 I have a credit limit of {$3600.00}. I noticed that the email emphasized that my {$3600.00} cl was of XXXX. Meaning, I believe they gave me a cl increase but its not reflecting on my account. I called Target card guest services. They were no help. I called TD Bank and I got nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Experian Information Solutions Inc.
State: LA
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 have recently obtained a copy of my credit file and there are many mistakes in my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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:
In the spring of last year I received a business call from Citizens Bank ( RSBC ) in the evening to discuss student loan refinancing options. After briefly discussing my options and potential loan amounts, the customer service representative said they would have a specialist in their student loan department contact me at a later date. After the call I decided I did not want to pursue refinancing with Citizens Bank. Upon review of my credit report this year ( free credit report requested from XXXX XX/XX/XXXX ) I saw that Citizens Bank pulled hard credit without my permission on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: VA
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:
XX/XX/2022, A fraudulent unauthorized hard inquiry from XXXX XXXXXXXX was reported on my equifax Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Pacific Credit Exchange Corporation
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 has violated my rights. 

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an 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 2022-05-03
Company: Harvard Collections, LLC
State: KS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This account was from XX/XX/1988 with Illinois XXXX XXXX XXXX XXXX over 30 years ago and XXXX XXXX XXXX purchased this debt and put it as a collection on my credit report without any knowledge of this debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: EQUIFAX, INC.
State: NC
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:
COmplaint filed X/XX/2017- XXXX XXXX {$350.00}, XXXX XXXX original creditor XXXX XXXX XXXX {$470.00} Equifax is stating that they verified the information that is derogatory and on my credit report. This is false information. I have contacted the complanies XXXX XXXX was resolved and paid by insurance and was removed from my credit due to a billing issue on the insurance company. Equifax has not deleted it. XXXX {$470.00} was removed from Equifax per my dispute as it was invalid charges and taken care of by insurance. Equifax deleted it and then allowed it to be reported by another debt collector which is XXXX. XXXX XXXX the original creditor has no bill that ever was in their office for {$470.00}. Equifax claims to resolve and verify with creditors but they are not verifying with collection agencies or creditors. They are violating my rights under the Fair Credit Reporting Act by failing to distribute to me the information they receive from the debt collector that proves this is my debt. I send documentation and this does not get resolved. 

In addition I have provided evidence that XXXX XXXX would not report to credit agency and Equifax is still allowing it Equifax is falsely claiming to verify information. This is a total violation of consumer rights. THey do not verify they just close disputes as verified to meet the 30 day timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score dropped from XXXX to XXXX onXX/XX/XXXX for no apparent reason. I found out onXX/XX/XXXX that there was an old debt with XXXX card that was ressurected from the dead on my 3 reporting agencies. On XX/XX/XXXX I settled the debt with XXXX card for {$2000.00} but my credit score has dropped to XXXX.My credit scores with XXXX and XXXX have been restored but not with transunion. The information I have just stated can be proved with XXXX card at XXXX XXXX XXXX. I appreciate your cooperation.

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 2022-05-02
Company: EQUIFAX, INC.
State: GA
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 # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit card plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Navy Federal has violated the Fair Credit Billing Act and the Truth in Lending Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation