BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-27
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I started the process XXXX  months before and it took them that long to get me my loan. I had to provide information XXXX or XXXX times. They ran my credit XXXX  times. I did not receive any documentation during this process. Did not receive any disclosures or anything in writing about my loan. I had to provide paystubs, income tax returns and insurance information XXXX times because they lost it. I feel like they took forever to do anything and if I didn't call to find out the status they would have never called me. I feel like they violated my rights as a consumer. I did not receive any information before I went to closing about interest rates, items that they were paying off and the fees that were to be applied to this loan. I believe that they violated laws. I started this process in XXXX and did not close on my loan until XX/XX/2022. I did not receive any agreements or disclosures before I went to closing. This was a very stressful process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: EQUIFAX, INC.
State: OH
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:
These issues are with 2 of the 3 major credit reporting agencies Equifax, and XXXX.

Each month for the past 18 months I have disputed 3 medical collection accounts on my credit reports. I have asked them to verify that these are in fact my accounts which are not. I keep getting a generic electronic statement stating the accounts have been verified. But by what means? I have requested to know who they spoke to, producing any signatures of mine, as well as any contracts, as well as what these medical charges are for. It has been very frustrating for me in the fact that these are the only derogatory items on my reports. Previously upon request, XXXX removed them from my report. I have had no success with Equifax and XXXX. 

The collection agency is : XXXX XXXX XXXX XXXX The amounts are : {$1500.00} {$1000.00} {$1300.00} I can produce correspondence if needed as I currently don't have the ability to upload documents. 

Any assistance regarding this would be appreciated as I would like to apply for a home mortgage in the next 90 days. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
This is in response to closing complaint XXXX. Loan Depot 's response was a lie and I have the documentation to prove it. 

Through the HELOC application process I was very specific about my sole source of income being notes receivable from the sale of a business. And these notes receivable had begun less than 12 months ago. I was told by 3 different Loan Depot reps that this was acceptable for income. I was ultimately rejected for my loan because this form of income is actually not acceptable. 

There are two instances where Loan Depot has lied. First, I was informed in writing that my income was approved by underwriting on XX/XX/XXXX. I have attached the email from the Loan Depot loan officer stating this. A few days later they reversed their decision with no explanation to me. 

Secondly, In response to complaint XXXX, Loan Depot states : " In the substantive conversations with the three loan Depot representatives , the borrower informed them that he had on-going income from the sale of a previous business in the form of note receivable income. He did not, however, inform the representatives that he did not have a 12-month history of the note receivable income. '' That is a lie. I emailed the details of this notes receivable income to the rep collecting my documentation on XX/XX/XXXX. I have attached a screenshot of this email with the specified attachment, as well as the contract itself. The contract itself is dated XX/XX/XXXX which is less than 12 months, and the contract states payments will begin XX/XX/XXXX. It is very clearly spelled out. This is the only form of income I submitted. 

I have attached their response letter to the original complaint and highlighted the spot where they lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX | XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX  XXXX unverified account XXXX  XXXX unverified account XXXX XXXX unverified account XXXX XXXX unverified account XXXX XXXX XXXX XXXX unverified account XXXX XXXX XXXX unverified account XXXX XXXX unverified account XXXX XXXX XXXX unverified account XXXX XXXX XXXX unverified account XXXX XXXX XXXX XXXX XXXX unverified account XXXX XXXX XXXX XXXX unverified account Please remove address that does not belong to me, I have never lived there : XXXX XXXX XXXX XXXX, XXXX  XXXX. 
Also remove any Fraud Alert from my credit profile. 

Thank You, 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 2023-12-28
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
I have a PenFed Credit Union Heloc coming due on XX/XX/. PenFed suggested I apply for another Heloc to payoff the current Heloc so I started the process immediately. 

The new Heloc application was started on XX/XX/, and I sent over the necessary documentation to PenFed on XX/XX/XXXX. 

The processor had the properties listed on the application wrong, causing several delays on PenFed 's end. I explained she had them listed incorrectly and she told me on XX/XX/XXXX, not to send anything else over and that her and her team have it handled. She said she would be in touch with me the following day, and I never heard from her. I then tried to contact her and the management team, several times, and no one would call me back. She FINALLY emailed me on XXXX XXXX this type of delay is unacceptable, considering the position she's putting me in. 

I talked to my loan officer today, who said this loan should have been done and completed on XX/XX/XXXX, it's now XX/XX/XXXX and I still don't have an approval. 

This is extremely concerning to me- my credit scores are XXXX, I am more than qualified for this loan. If PenFed Credit Union does not close this loan on time due to their lack of communication or response, I'm at risk of foreclosure, and my credit will be destroyed. 

I ask that this issue be escalated - I'm beyond frustrated at the lack of communication and consumer care when I have been responsive and diligent. If you want details, I have everything documented, all emails saved, and a timeline prepared. I was told over the phone with the CFPB to keep this commentary concise and brief.

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 2023-06-21
Company: Experian Information Solutions Inc.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I trust this letter reaches you promptly. I am writing to reiterate my deep concern and frustration regarding the delayed opening of my accounts. Despite my initial complaint the issue remains unresolved, causing significant inconvenience and distress. 

I understand that unforeseen circumstances can lead to delays in processing, but the prolonged nature of this situation is impacting my financial plans and causing undue stress. 

I am making a second attempt to request the following actions be taken urgently : Expedite the process of opening my accounts and ensure their activation at the earliest convenience. 

Improve communication regarding the status of the account opening. I request real-time updates on the progress made and the expected timeline for completion. 

Given the extended delay and the inconvenience caused, I kindly request that you consider appropriate compensation or accommodations for the stress and financial disruption experienced. 

I emphasize the urgency of resolving this matter promptly. Your institution 's commitment to customer satisfaction is crucial in maintaining a positive customer-business relationship. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX  XXXX Balance : {$35000.00}.

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 2023-07-02
Company: EQUIFAX, INC.
State: TX
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 violation. 
The following accounts : XXXX  # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/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 2022-12-27
Company: EQUIFAX, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my multiple 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: IL
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  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602A. states I have the right to privacy.

15 U.S.C. 1681 Section 604A 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 2023-12-28
Company: Possible Financial Inc
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Re : Notice of Claim Pursuant to 15 USC 6801, 15 USC 6802, 16 CFR 313, and the Privacy Act of 1974 Dear XXXX XXXX I am writing to bring to your attention a matter concerning the unauthorized disclosure and handling of personal information, which I believe contravenes the stipulations set forth in the laws governing consumer privacy, specifically 15 USC 6801, 15 USC 6802, 16 CFR 313, and the Privacy Act of 1974.

including details of unauthorized disclosure or mishandling of personal information.

As per 15 USC 6801 and 15 USC 6802, entities are obligated to protect the confidentiality of consumer information and are prohibited from disclosing it to unauthorized third parties without consent. Moreover, the regulations outlined in 16 CFR 313 require compliance with certain standards for safeguarding consumer information. The Privacy Act of 1974 similarly mandates the protection of individuals privacy rights concerning their personal data held by federal agencies.

the violation has impacted ME WITH financial losses, emotional distress, HUMILIATION, DEFAMATION, SEVER INTENTIONAL EMOTIONAL STRESS AND SEVERE HARDSHIP ] In light of the aforementioned VIOLATION OF SHARING MY PERSONAL NON PUBLIC INFORMATION I WAN NA OPT OUT IF I EVER GAVE U WRITTEN NIN WRITTEN OR VERBALLY CONSENT I REVOKE THAT AND YOU ARE NO LONGER ALLOWED EFFECTIVE IMMEDIATELY AND i I demand immediate action to rectify the situation, including but not limited to : 1. A complete investigation into the unauthorized disclosure or mishandling of my personal information.

2. Notification to all relevant parties of the breach and the steps being taken to address it.

3. Assurance of enhanced measures to prevent future sharing of non public transactions and to comply fully with the aforementioned laws and regulations.

4. Compensation for any damages incurred as a result of this privacy violation.

Please respond within [ specify a reasonable timeframe, e.g., 30 days ] to address these concerns. Failure to do so may compel me to pursue legal action to protect my rights under the stated laws.

I expect your prompt attention to this matter. Thank you for your immediate action in resolving this issue as you have violated Right that I have that I took from me knowingly and willingly 18 usc 1001 UNITED STATES VS. LICHENSTEIN, 610 F 2D 1272.1276-77 ( 5th cir ) and United States v LANGE 528 F 2D 1280. 1287-89 5TH CIRCUIT 1976

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation