BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 is incorrect

Complaint:
I've requested four times over the course of the last 3 years to have erroneous information removed from this TransUnion Eviction Report and they refuse to correct the errors further violating my rights, causing me multiple damages to include : preventing me from renting any properties, being denied multiple times and having to pay and lose rental application fees, and I'm currently residing in a hotel. 

Clearly ; how could I've been evicted from a property ( 4 ) times over the course of 10 years but still allowed to stay - further having made all payments ( sometimes late ) but paid in full. Also, there's an additional " erroneous '' eviction reported as of XXXX, XXXX ; however, neither XXXX XXXX XXXX, MD Case Search has ever shown this nor could this be possible because I moved out of that community on XX/XX/XXXX which is also displayed ( circled ) on the general ledger provided by the Leasing Mgr. and dated XX/XX/XXXX - in addition to the letter stating that I've never been evicted from that community or any community. 

XXXX also known as XXXX XXXX XXXX forwarded updated information to TransUnion in XXXX, XXXX ; however, they continue to illegally report this false information and will not remove it.

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 2016-10-02
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In a notice dated XXXX/XXXX/16 the collection agency falsely asserts that I have an outstanding delinquency. Moreover, the notice makes the patently false statement that " Previous notices ... have gone unpaid and remain delinquent ... '' The accurate information is that I prepared a comprehensive written contest to the fine and I received a written response in reply stating that it was referred to the hearing officer and that there was nothing further for me to do at [ that ] time. There was no subsequent correspondence or contact from anyone until receiving this XXXX/XXXX/16 collection notice. I am not even the registered owner. This is a fraud on the part of the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Firstsource Business Process Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I been having alot of problems with FIRST SOURCE but i want to report that they are proving personal information about me to others, they keep calling my work and have actually told 3 of my manager of my debt and now people know im in collections with them bc they provided that information to 3 of my managers. We also not suppose to received personal calls at work.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On Friday XX/XX/2022 I received a letter in the mail from XXXX XXXX ( ATTN : Credit & Order Operations, XXXX XXXX XXXX, XXXX, FL XXXX ) that has two credit reports listed that are ran in my name, both of which I dispute, but more importantly I never authorized XXXX XXXX to run my credit and I never applied for wireless service through them which is stated in the letter as the reason for the two credit reports. The whole letter looks suspicious but again most importantly XXXX XXXX was never authorized to run my credit. The is an application number listed on the letter but like I said before I never made any application to XXXX XXXX that would warrant a credit check. I have XXXX XXXX pre-paid phone service, so the whole situation is extremely suspect/strange. The credit reports listed are from XXXX XXXX XXXX XXXX Experian.

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 2022-04-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On Friday XX/XX/2022 I received a letter in the mail from XXXX XXXX ( ATTN : Credit & Order Operations, XXXX XXXX XXXX, XXXX, FL XXXX ) that has two credit reports listed that are ran in my name, both of which I dispute, but more importantly I never authorized XXXX XXXX to run my credit and I never applied for wireless service through them which is stated in the letter as the reason for the two credit reports. The whole letter looks suspicious but again most importantly XXXX XXXX was never authorized to run my credit. The is an application number listed on the letter but like I said before I never made any application to XXXX XXXX that would warrant a credit check. I have XXXX XXXX pre-paid phone service, so the whole situation is extremely suspect/strange. The credit reports listed are from Equifax Information Services XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Complaint : Mortgage Servicers I find it necessary to file this dispute with your agency to protect my home mortgage from further abusive financial practices. 

My Chapter XXXX Bankruptcy Case was discharged, effective XXXX XXXX. In XXXX XXXX, under the plan, I made my final payment to the Bankruptcy Trustee, to pay the mortgage and after that paid the creditors mortgage service company. 

I paid the Creditor {$3100.00} ( Without Notice of Mortgage Change ) in XXXX. I paid {$1600.00} in XXXX upon recognizing a notice of mortgage change was not filed and that the service mortgage company was backdating payments. According to their records, I owed {$26.00}, XXXX to the Creditor. 

A review of my loan account showed that effective XXXX XXXX, the service mortgage company adjusted the monthly mortgage payment from {$1600.00} to {$3100.00}. I was nine months past due on payments of {$3100.00}. The service mortgage company applied my XXXX XXXX payment retroactively to XXXX XXXX. From what I could determine, the service mortgage company collected {$9300.00}, or roughly {$4400.00} over the mortgage payment of {$4900.00} authorized by the Bankruptcy plans. 

When I initially complained, the service mortgage company refused to listen and insisted on collecting the full amount, {$26000.00} in past due claims including {$2000.00} in miscellaneous fees. While demanding payment from me, the service mortgage company filed a Response to The Notice of Final Cure in Bankruptcy Court certifying that my loan account was current. 

When presented with filing, the service mortgage company removed a substantial portion of the claim and filed a Notice of Mortgage Change, effective XXXX XXXX, XXXX, of {$3100.00}. The service mortgage company 's transaction history indicates receipt of {$3100.00} payment on XXXX XXXX, XXXX. Additionally, service mortgage company transferred the loan to a new mortgage servicer with instruction to me to make all future payments to the new servicers effective XXXX XXXX. 

I paid the new servicer {$3100.00} on XXXX XXXX, XXXX, for the mortgage payment due XXXX XXXX. After that, I received notice from new servicer about an outstanding claim from the old service mortgage company for the XXXX XXXX payment. I filed a dispute with new service mortgage company in response. The new servicer applied my payment to the old servicer 's claim and demanded XXXX and XXXX XXXX payments. The new servicer advised me that the answer to my dispute could take up to 45 days. 

When making the XXXX payment, I spoke to new servicer 's agent, who acknowledged receipt of my dispute, confirmed mailing address and indicated that a late payment fee did not apply to this payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS COMPLAINT IS SUBMITTED BY ME PERSONALLY! WITHOUT INFLUENCE FROM A THIRD PARTY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Today, XX/XX/XXXX, I was deceived by TransUnion.com. At no moment, the website showed that it was a paid service. The charge to my credit card was at the amount of US {$24.00}. The Transunion.com website just displayed a button " My Credit Report & Score '' without a clear indication that the service was not free. 
Right after registering, I found out about the charge and immediately tried to cancel my subscription. The path to cancel is hidden and not easy to find. After a lot of searches, I was able to cancel the service online but the charge remained. 
I call Transunion but they were not available to resolve my problem. 
After googling the internet, I found that Transunion received a millionaire fine back in XXXX because of this same scam. 
Please, CFPB, help me to get my money back. 
And please evaluate another fine to Transunion but this time a much higher one as the company continues with the same practices. 
Just because of this Transunion scam I lost over 2 hours of my day trying to cancel the charge, without success. 


I tried to call Trans to register on their website

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 2015-06-17
Company: Wexford & James LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir/Madam, I dispute the alleged debt. It is my understanding that I am not the debtor, nor was I the principal or shareholder of the debtor. Please validate the alleged debt and provide varification thereof the claim is due and owining from me, including but not limited to:XXXX ) Copies of the original signed application, lease agreement. any other loan and lease documents, that relates to the matter ; XXXX XXXX Proof of valid assignment of the alleged debt to me ; XXXX XXXX Complete payment history & books and account records going back to the original creditor ; andXXXX ) Notice, correpondonces, and any other communications with the third party and me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
In spite of good credit ( better rating than when I applied for the card ) and zero payment issues with their company or any other creditor, Synchrony Bank, Walmart Credit card arbitrarily reduced my credit balance from {$3000.00} to {$1500.00}. I 've attempted to correct this through them and they only give me the run around and refuse to return it to the limit that was originally issued. They can not specify any reason as to why it was reduced.

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 2022-04-23
Company: United Shore Financial Services, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Homeowners Protection Act ( HPA ) provides two ways to remove PMI from your home loan : ( 1 ) requesting PMI cancellation. 

I have reached out to the lender multiple times in writing asking for guidance on cancelling my PMI on my mortgage. The values of properties have gone up significantly and I have made improvements on my home significantly increasing the value of the property. I have well over 20 % equity in the property and the lender will not respond to my request for cancellation of mortgage insurance or request/order an appraisal or PMO to cancel the PMO. 

The lender states in their communication with me that significant remodel such as a kitchen or bathroom qualify for re-evaluation of LTV. Upon contacting the correct dept. about this matter I continually get responses saying " Please wait 30 days for a response '' The lender is ignoring my attempts to re-evaluate my LTV and remove my PMI from the mortgage. My LTV is currently in less than 75 % and still m lender has not responded to my request. 

At this point I expect back payments ( reimbursement ) for Private mortgage insurance that should have been previously removed when my value exceeded the threshold of 75 % legally requiring the cancellation of PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is a f/u to closed complaint #  XXXX . I spoke w/Navient re allocating $ $ to my  XXXX  separate loans with the intent of paying off the higher interest loans first. As previously stated in the complaint, I had increased my loan payme nts by roughly twice as much as the original requirement in order to pay the loans off more quickly and was told that I could not allocate funds. Last week, I contacted Navient to 1 ) find out the minimum payments required for each loan ( to continue to make good on the payments ) and, 2 ) advise how I wanted my payment allocated. I was advised by a Navient supervisor that I could only allocate $ $ if I paid EXTRA ( in addition to the monthly extra payment I was already making by auto withdrawal ). When I questioned  why this was so I was told that when I chose to pay more the " terms '' of the loan changed, i.e., they adjusted the payoff date. I still do not understand why that would deter me from allocating funds to the high interest loans first. Certainly I am no financial expert but it makes absolutely no sense to me that because I chose to pay more I would be locked into how I 'm paying this loan, which means that they continue to accrue money from my higher interest loans. Please explain this to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Barclays bank Delaware made an inquiry on my credit report with out my permission. When contacted they said there was no record of me and that the inquiry should not have taken place. They would not assist me in getting the inquiry off my credit 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 2022-04-23
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 Account # XXXX, has violated my rights. 

XXXX XXXX colle Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # 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 2022-04-23
Company: PNC Bank N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They tried too collect and defame my private consumer report not for public inspection WHERE IS THEIR BOND TO COLLECT IN MY STATE PURSUANT TO 392.101 along with the contract with my blue in signature and or electronic signature, I am in honor and if the can provide a contract and a bond we can do business they have the account revolving and closed account a clear illegal violation of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have spoke with the collection agency and they have acknowledged my concern and have requested information to have the dispute resolved. Unfortunately, after sending them the required information I have yet to have this information resolved. it has been 3 months now and I have not received any contact, and when I contact them now they refer me to a answering machine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a statement in the mail from credit management saying they need to collect a XXXX $ claim for XXXX XXXX XXXX XXXX as of XX/XX/22. I have never heard of this company not ever even been to XXXX fl. Ive been in the hospital XXXX XXXX Florida XXXX XXXX XXXX as was XXXX  months before XXXX XXXX XXXX due to serious XXXX. I XXXX and did some research and apparently this is a fraudulent company destroying people credit and I just know it better not touch mine. Feel free to contact me at XXXX XXXX XXXX at XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: IN
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 to the federal law is code 1681. Has violated my my rights as a consumer. XXXX XXXX XXXX # XXXX. On my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am unable to access my Wells Fargo online account after many attempts calling and speaking with customer service reps and technology specialists. I am forced to call monthly to make payment and when I call I often encounter long hold times which is a major inconvenience to simply make a payment. I feel as though Wells Fargo is unwilling to work with me and fix my account and is now assessing late fees and has reported a late payment to my credit report resulting in a major hit to my credit score and reduced credit lines from all creditors.

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 2017-02-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I contacted EQUIFAX last month to have this account removed from my credit report as I already paid it off. I received an email back from them shortly after stating that debt was valid and it belonged to me ( which I was never disputing ) all I asked was that it be removed as I paid if in full already. I call EQUIFAX back today XX/XX/XXXX and asked why have n't the item been removed from my credit report yet? The guy was VERY rude and unprofessional. Instead of answering my questions he remained silent on the line for almost 3mins before hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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, XXXX XXXX XXXX, XXXX XXXX XXXX, 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 602 A. Also states a consumer reporting agency can not furnish an account without my written instruction

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