BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2023-02-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I was affected by the COVID-19 pandemic which resulted in loss of employment. I contacted my mortgage provider who allowed me to make partial payments. On or around XX/XX/XXXX, my client portal to make partial payments was disabled. 

On or around XX/XX/XXXX, I contacted Select Portfolio Servicing, LLC to ask about the client payment portal being disabled. I was advised that I could no longer make partial payments and only FULL PAYMENTS would be accepted from that date going forward. 

Select Portfolio Servicing, LLC placed me on a Forbearance. During the forbearance process, I made contact with the approved government organizations that were listed on Select Portfolio Servicing, LLC website for mortgage assistance. In XX/XX/XXXX, I applied for assistance with the Maryland Homeowners Assistance Fund. 

On or around XX/XX/XXXX, I was told verbally by a Maryland Homeowners Assistance Fund that I approved for a {$20000.00} Maryland Homeowners Assistant Fund Grant, which would be applied to my delinquent mortgage balance. Any outstanding delinquent amounts over {$20000.00} will be applied to the back end of my mortgage. However, XXXX XXXX Program was waiting for confirmation from Select Portfolio Servicing, LLC so XXXX XXXXXXXX could take this to underwrite. 

On or around XX/XX/XXXX, I received a phone call from Select Portfolio Servings to state that they have denied the Approved Government, Maryland Grant. 

Select Portfolio Servicing is only interested in having me take advantage of their IN-HOUSE financial solutions. 

On XX/XX/XXXX- Select Portfolio Servicing, LLC initiated foreclosure on my property, however, they allowed me to be placed on a 3-month forbearance beginning XX/XX/XXXX, XXXX. In XX/XX/XXXX, I was advised by Select Portfolio Servicing I was advised that I my mortgage loan was going to be placed in foreclosure status in XX/XX/XXXX ; however, once again, Select Portfolio Servicing placed me in another 3-month forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
XXXX XXXX XXXX - XXXX. There is a loan appearing under my credit report that is fraudulent and was never opened by me. Details of the loan show XXXX XXXX XXXX opened on XX/XX/2021 with a balance of {$1300.00} has been charged off.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-09-15
Company: Experian Information Solutions Inc.
State: GA
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:
As stated in the Prior complaint I am Requesting all Legal documents that hold me Liable for said Alleged debt I don't assume any Debt Nor do I owe a debt have them show me the law that shows a Federally protected consumer owes a debt. I'm invoking my consumer rights and demanding XXXX XXXX XXXX a debt collector Cease reporting to all Consumer reporting agencies Immediately they violate federal Code 15 USC 1692c ( b ) ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I'm also requesting to opt out of my non-public information being reported under title 26, title V of the Gramm-Leach-Bliley Act opt me out! 
15 U.S. Code 6802 - Obligations concerning disclosures of personal information ( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) the such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to a such third party ; and ( C ) the consumer is explained how the consumer can exercise that nondisclosure option. I wasn't given any option

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 2023-09-23
Company: TekCollect Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After numerous attempts to be transparent with the collection agency about the theft of my identity and the proof to support my claims they remain in violation of the original contract that I created once I was aware f this fraud on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, went to a resort for an excursion : jet skiing. After our excursion, I bought beverages : {$66.00}. Yes, had card in my possession that day, Thursday XXXX, XXXXXXXX XXXX 

On Friday XX/XX/2022, there were three ( 3 ) unauthorized charges of {$700.00} : total of XXXX. Wells Fargos claims the charges were made via chip ; meaning it was in my physically possession and authorized the charges. However, I made XXXX charges that day, Friday XX/XX/2022. I did NOT physically have the card in my possession. Going forward I did have the card. I believe my card information was stole the day of the beverage purchase or in my hotel the day the fraudulent charge was made. The card was at my hotel with all hotel personnel having access to my hotel room. I did NOT use and/or have my card in my possession XXXX, XX/XX/2022. I was out and about exploring.

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 2022-10-03
Company: Kriya Capital, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account is reporting incorrect as account is not mine. XX/XX/2022 was my first try contacting and trying to fix this issue with bureaus. I wrote too XXXX, XXXX and XXXX asking to delete because I do not recall having account. Account was reporting Collection while derogatory and charge off all at the same time. Along with inaccurate Date open stating as XXXX with XXXX and XXXX while XXXX XXXX reported XXXX. Date last active reported as XXXX with XXXX while XXXX reported XXXX and XXXX  reported XXXX is no way that all three bureaus are correct if information is coming from the same furniture data. XXXX and XXXX did remove account as I had requested but XXXX continues to report account and updating date last reported and changed the date opened adding CO to payment history. I have not received any documents stating method of verification! How is XXXX  still reporting this account being accurate while XXXX XXXX and XXXX have already delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found two items on my credit report that does not belong to me and I have repeatedly contacted Experian about this issue. The pending issues are incorrect name and incorrect address. 
1. I have never been known as XXXX XXXX. 
2. I have never lived in XXXX, CA.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: NJ
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.

The letters are stated with items and issues.

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 2022-10-03
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-02-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a letter out XX/XX/XXXX to Experian, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. 
This is not making any sense. 

Account : XXXX XXXX XXXX Date Open : XX/XX/2022 According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-09-14
Company: EQUIFAX, INC.
State: WA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My home was damaged from Hurricane Ian. We were finally issued our claim funds and PennyMac will not issue funds so we can continue our process. We were issued 2 checks that are both spent to contractors to do work. We are in the process of getting our roof replaced next and I need additional funds to be released to pay them the balance or I will be charged 11 % interest which is unnecessary since the money is there. I pay my mortgage on time every single month and have not once asked for any kind of assistance from you. The insurance premiums are paid by ME and this is the reason I pay insurance so I can be protected. I have waited 7 LONG months to start the process of rebuilding and I can not continue without funds. I have already spent more than I can afford out of my own pocket and I do not have any more available. If I could pay for all of this myself I would not need insurance and/or a mortgage and I would not wait this long to have my home fixed. i have always been cooperative, I have sent copies of contracts and have done inspections so you can see I am using the money to fix my home. I need to get my home fixed so i can begin living a normal life again after 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-01-07
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX is showing credit grantor reclaimed collateral to settle defaulted mortgage. Account opened in 2015 and still reporting currently only on my Experian report even after debt was settled and closed.

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 2023-01-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Information is inaccurate and incomplete. Inaccurate account type, reflects incorrect date opened dates, and reflects inaccurate payment. They dont have permission to report it. Please see attached documents and remove.

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 2022-11-07
Company: Douglas L. Brooks, PC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX XXXX XXXX. 
I purchased a car from a small car dealership off XXXX XXXX in XXXX XXXX in XX/XX/2015. The company went out of business four years ago, I was still taking payments to the manager. He did not share with me that the company had folded, and he was still taking my payments from me. I found out that the loan was sold to another company. They repossessed the car stating that I never made payments. The car loan is not on my credit because the old company wrote the loan off and it was removed from my credit. The new company stated that they purchased the loan, and they stated that they served a letter to my mothers old address stating that I am still responsible for this loan, for a car that I no longer have. Clerical billing errors were made, payment mismanagement, and the companys record-keeping of customer files was unkempt. 
I would have responded to them promptly If I would have received a notification to dispute these claims I would have provided all the money orders that I gave the dealership for payments. I cleaned all my files since the account was removed from my credit because the debt was removed. I am requesting that the errors be corrected and that any charges be removed. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation