vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
Over the last three months I have requested evidence of the debt that Pennymac claims I owe. I have ask for an accounting and for them to show me that they have any evidence that I owe them any debt. They have dishonored my demands for evidence to their claim and have made unfounded false accusations against my person. The false accusations they made against me are as follows : 1. " My request was overly broad and lacked specificity. '' 2. " PennyMac does not recognize your proposed process as legitimate. '' I have no idea what process they are referring to.

3. " PennyMac is rejecting your demands and/or offers in their entirety. '' I do not know what demands they are referring to.

4. " Some of the information requested is considered proprietary. '' Again, I do not know what information I have requested that is proprietary.

5. " PennyMac must respectfully decline the documents that you enclosed with your correspondence with the intent to fully satisfy and discharge this loan. Said documents will not fully satisfy your obligation under the terms of the Mortgage and Note for the loan, and are not an acceptable form of payment or an allowable transfer of property, as described under the Mortgage and the Note for the above-referenced loan obligation. PennyMac will not accept or honor the documents. '' This appears to be a boilerplate response, as I have not sent any documents as payment after knowing there was XXXX consideration from PennyMac, and therefore, this contract was invalid from inception.

As you can see they have ignored and mischarterized every request to provide evidence the note was ever funded, if funded by what assets ( consideration ). This contract is in dispute. I have also notifitied the local sheriff and asked to discuss the matter with him via email, certified mail and through his deputy. He has not allowed me to meet and discuss this matter via teleconference or in person. Exactly fifty ( 50 ) days atfter requesting to meet with him and him ignoring my request, he served me a foreclosure notice via his deputy at my home.

Note : It was within one week of me sending a letter requesting information once I was aware of this debt not being valid that PennyMac referred this debt to foreclosure as evidenced by their letter dated XX/XX/year>2024. They have to this date NEVER provided any evidence to their claim. None. Instead they have provide vague accusations and boiler plate responses. I have over XXXX of XXXX  with correspondence and repeated claims that they will provide accounting. I will attach those letter as I am limited to file size.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TransWorldSystems holds an incorrect or inaccurate debt on my credit report which needs to be removed. Amount is XXXX dollars. AC # is XXXX. I am currently trying to use all legal avenues to remove this debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX I received a deposit from Social Security. I got a text message, which I thought was it was from my bank, asking me if I approved a transaction in XXXX, Georgia. I replied no and then someone called me right away. He said he was from SoFi, and he asked me about several other transactions that were from my card. Some of them were approved transactions and some of them were transactions I never heard of. He then told me he wanted to help me to secure my account so he said he would assist me i changing my password. This happened during a time where I was busy doing other stuff, so I was bamboozled. He accessed my account and tried to send a {$400.00} payment to someone. I immediately tried to cancel the payment, it worked, but then they sent a XXXX to someone else named XXXX. I could bot stop the transaction. I notified the bank, they investigated and resticted my account. The bank refused to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I began the dispute process with the credit agencies transunion, XXXX and XXXX for accounts I had paid in settlement. I uploaded the documents into the dispute process along with a statement explaining the accounts were settled. The credit agencies refused to conduct an investigation and placed on my report with XXXX to XXXX hours that they conducted investigations, and my information remained the same with the exception that they credit agencies added/updated additional wrongful information which caused my credit scored to drop at least XXXX to XXXX additional points. I file another dispute and provide documentation with each agency and within XXXX to XXXX hours the investigations were completed again with more wrongful information added which lowered my scores even more. I called each credit agency and spoke with specialist ( XXXX, XXXX, ID : XXXX ), and I was informed that it doesn't matter what information the consumers submit, they were not going to update the consumers credit report. I asked her what the purposes was for uploading information into the dispute process if you are not using it to update my credit file. She attempted to clean up her answer. I made multiple attempts to call XXXX and they have made it where you can't speak to a specialist. Everything is computer operated and it advise you that you can't speak to a specialist. Also, at the bottom of the report it gives you your case number, but you can't use it when you attempt to speak to a representative about your dispute process. All three credit reporting agencies has retaliated against me for inquiring about the update on my credit. Every day I get alerts where they have gone in and added information to my credit report where it continues to lower my scores despite the documentation I provided to them. I also reached out the XXXX XXXX XXXX XXXX and XXXX representatives and they all informed me that they did not provide any information to the credit agencies because my accounts were in consolidation. Although my accounts were settled in full, the credit agencies were in and listed them as collection accounts and charged off 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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2024, I began the dispute process with the credit agencies XXXX XXXX, and equifax for accounts I had paid in settlement. I uploaded the documents into the dispute process along with a statement explaining the accounts were settled. The credit agencies refused to conduct an investigation and placed on my report with XXXX to XXXX hours that they conducted investigations, and my information remained the same with the exception that they credit agencies added/updated additional wrongful information which caused my credit scored to drop at least XXXX to XXXX additional points. I file another dispute and provide documentation with each agency and within XXXX to XXXX hours the investigations were completed again with more wrongful information added which lowered my scores even more. I called each credit agency and spoke with specialist ( Equifax, XXXX, ID : XXXX ), and I was informed that it doesn't matter what information the consumers submit, they were not going to update the consumers credit report. I asked her what the purposes was for uploading information into the dispute process if you are not using it to update my credit file. She attempted to clean up her answer. I made multiple attempts to call XXXX  and they have made it where you can't speak to a specialist. Everything is computer operated and it advise you that you can't speak to a specialist. Also, at the bottom of the report it gives you your case number, but you can't use it when you attempt to speak to a representative about your dispute process. All three credit reporting agencies has retaliated against me for inquiring about the update on my credit. Every day I get alerts where they have gone in and added information to my credit report where it continues to lower my scores despite the documentation I provided to them. I also reached out the XXXX XXXX, XXXX XXXXXXXX and XXXX representatives and they all informed me that they did not provide any information to the credit agencies because my accounts were in consolidation. Although my accounts were settled in full, the credit agencies were in and listed them as collection accounts and charged off accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The agents for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Furnisher of Information XXXX, XXXX, Transunion, have continued to misrepresent the records for the collection account for the principal XXXX XXXX. The account transactions are income, per the received 1099-C received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attached to this complaint. This was sent to furnisher of credit reporting, to correct ; however, the agency continues to evade the principal rights and force incorrect information adversely without requesting the consent of the principal. This has caused incorrect credit scores and credit application denials for consumer credit.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The agents for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Furnisher of Information XXXX, Experian, XXXX, have continued to misrepresent the records for the collection account for the principal XXXX XXXX. The account transactions are income, per the received 1099-C received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX attached to this complaint. This was sent to furnisher of credit reporting, to correct ; however, the agency continues to evade the principal rights and force incorrect information adversely without requesting the consent of the principal. This has caused incorrect credit scores and credit application denials for consumer credit.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My account with XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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. 

Quality Acceptance 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 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 non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp.
State: OH

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation