BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion is not following the laws.. the account XXXX XXXX I have asked Transunion to verify the original contract.. the signed document the ORGINAL address we're this card was open from and I have not received anything. This account was open fraudulent. I have asked for them to remove this from my credit report and they have not removed it... I demand

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 2022-12-21
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was unable to access my PNC online banking at the beginning of XXXX. I called PNC customer support right away and then I have been told to wait someone would call me and provide more information about current issue on my account. I missed the call from PNC at the earlier morning, and I got the email from one of retailer managers on XX/XX/2022 asking me to provide a good phone number or call by phone at XXXX, extension XXXX to discuss the matter further. However, no one replied to my followup email, and no one returned phone calls to me, at the same time, I am unable to login my online banking to review transactions history also transfer my funds to my banks. 

Today, I just called PNC customer support again, there is no useful information has been added to my case in the past of XXXX  months, and I have been told that I have to wait few more months or a year to get my account closed by itself, and there is no way to close my account currently which means I am unable to access my online banking to withdraw my money until it get closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: Northstar Location Services, LLC
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: Account information incorrect

Complaint:
Hi, to whom ever it may concern I have an problem with XXXX XXXX  I keep having issues with them trying to collect debt from me Debt that I never accumulated, Ive asked them multiple times to show me accurate reports, dates and the times of the debt, I still havent heard from them But it is on my credit profile and is preventing me to move forward, I have my documents proving I owe no debt and its somewhere in the data thats wrong, or someone elses information is being mixed up with mines. The pictures shows the inaccurate information because if I did owed this debt, both pictures would have the same description, dates, balances due But as yall could see it not the same

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection agency unwilling to provide written documentation proving ownership on account despite multiple written/certified requests. Notice of collection dated XX/XX/XXXX received. Written response indicating no knowledge of or relationship with creditor requesting copies of signed work order and/or signed receipts equaling XXXX sent XX/XX/XXXX. No response received. Collection placed on credit reports on or about XX/XX/XXXX effective dated back to XX/XX/XXXX. Additional written response indicating no knowledge of or relationship with creditor requesting copies of signed work order and/or signed receipts equaling XXXX sent certified mail on XX/XX/XXXX. Signed for by XXXX on XX/XX/XXXX at XXXX XXXX. Still no response received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: AR
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EXPERIAN, XXXX AND XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance {$3500.00} ; XXXX XXXX XXXX Balance {$5000.00}

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 explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My personal information that I need on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al XXXX any other names or addresses are not accurate and need them 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 non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
This account has been closed and has been paid in full XXXX XXXX Account # 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 2022-05-13
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX XXXX Balance : {$2100.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$0.00}

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 2019-06-22
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a statement from Ditech dated XX/XX/XXXX, informing us that the mortgage payment was increasing from {$480.00} to {$1000.00} effective XX/XX/XXXX. 

I called Ditech at the beginning of XXXX after receiving the notice to inquire as to what was going on and why was an escrow account set up on our mortgage account. 

I was told the escrow account was set up to pay the property taxes. I informed them and also sent copies of " The Tax Deferred for XXXX and over '' agreement we have with XXXX XXXX. 

Ditech claimed that they had been paying the taxes even though we had an agreement with the county. 

A Ditech representative said they would be researching. 

I also told them that we had never had an escrow account, that we had always paid our taxes and insurance directly to the tax office and insurance company since XXXX. 

I informed Ditech that we had never approved an escrow account and to remove it. 

After numerous calls to Ditech, I was told by a Tax Department representative that they had never paid property taxes. 

I was then told that the Escrow account was paying the homeowners insurance. I also informed this department that we have always paid the insurance directly to the insurance company. 

After additional calls and conversations I was told by the XXXX XXXX that they were NOT paying the insurance on the property. 

At this point I was told by a Ditech Customer Service Representative that I could not talk directly to anyone in the Escrow Department, that they do not talk directly to customers. 

After several more attempts to resolve this matter, I was told by a representative from the XXXX XXXX that the Escrow account had been set up for future use in case the Tax Deferred for XXXX and over was dismissed or deleted. 

I was told by the XXXX and XXXX XXXX ( XX/XX/XXXX ) that they submitted a request to have the Escrow account removed from the account immediately. 

I was told that request would take 7-10 business days to complete. 

I am currently waiting for written confirmation that this has been done.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts were opened fraudulently. According to the FCRA, all information furnished on a consumer report must be verified as accurate and with proof of consent by the consumer to share private information. According to this report, these accounts have not been verified or investigated as previously requested. Addresses are also on my report that I have never resided and have not been updated. The fact that the law is not being followed in this situation the credit bureaus will leave me no choice but to hold them accountable to XXXX $ each violation being reported on 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 non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: KY
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/XXXX I sent my first dispute letters to all three bureaus XXXX Experian, XXXX, and XXXX  XXXX requesting validation/ verification for the following two XXXX XXXX accounts ( XXXX and XXXX ) be investigated because these accounts are not mine, inaccurate, and fraudulent activity and to delete from my credit report.

Following my dispute letters TransUnion removed the two accounts from my credit report. Experian and XXXX  continued to report inaccurate information. 

XX/XX/XXXX a letter from the XXXX Municipal Court XXXX XXXX District of PA was hand delivered stating I had court XX/XX/XXXX. On this form it states " For Service at a New Address '', the first summons was sent to my mother apartment in which I never lived. 

I attended court on XX/XX/XXXX requesting trial because these accounts are not mine, inaccurate, and fraudulent. I was appointed a new court date for XX/XX/XXXX XXXX. I was then mailed additional information at my mother apartment Notice of judgement. Attached will be documentation XXXX exhibit 1, exhibit 2, and exhibit 3 ) supporting all claims above. 

XXXX XXXX XXXX is violating my consumer rights and never provided validation or proof that this debt belongs to me. Falsified documentation and purposely sent mailings to an address that is not mine so I can miss court dates ( please see exhibit 1, exhibit 2, and exhibit 3 for supporting my claims. ) Furthermore Experian, XXXX, and XXXX  are liable for violating FCRA 15 usc 1681. 

I have never received communication from XXXX XXXX XXXX stating they have purchased my alleged debt. The first communication I received were judgement papers this violates FDCPA 15 usc 1692

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: CA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-08
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:
I completely paid off and closed my FL XXXX XXXX XXXX XXXX account in XXXX. It is showing up a multiple reports with inaccurate representation of the amount owed. Each bureau has a different reporting from this company. Multiple accounts showed that I have paid and closed my account with them. On XX/XX/XXXX, they added inaccurate remarks to this account by putting that I owe {$XXXX}. I have documentation to show proof of inaccurate information. Reporting information that is inaccurate or not reported correctly violates the FCRA. It has led to much personal and mental distress plus financial damage by not removing the account and falsely reporting information. I have contacted this company over 3 times without receiving any type of resolution, verification, or remedy for each of these violations.

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 2018-05-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2018, I spoke with Wells Forgo about refinancing my car loan. At that time the information I received I knew there was no need to run my credit. There fore I asked them not to, but they did without my consent anyways.

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 2023-08-17
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have received 2 notifications for a shortage in my escrow account. I asked the company how much the shortage was, and sent in the shortage amount stated. They then raised my payment amount anyway. 2 months later, I received another statement stating my escrow account was short again, and that they were going to again raise the payment to accommodate the shortage. I called to inquire why the 2nd shortage came up only 2 months after the original notice for the escrow shortage. I was told that they had to do 2 different evaluations on my home due to a new California directive. I again asked how much it would take to pay the shortage so my payment would stay at the original amount I had financed. They again told me that it would go up to cover any future shortages. I then filed a complaint through HUD and the loan company finally said my payment would go back to the original payment, but not until XXXX XXXX, 2023. I investigated the reasoning for the shortage and found out that it was due to an increase in my homeowners insurance. I switched insurance and had the payment lowered quite significantly, and told the lender I wanted to see the difference on my new payment amount. 

Since then, I have received another 2 notices now saying that when I switched to the new homeowners insurance there was a lapse of 1 day from the old policy to the new policy. I told them that the existing canceled at XXXX am on XX/XX/2023, and the new insurance started at XXXX am on XX/XX/2023 which meant that there was no lapse in the coverage. However, they insist that this is not true and that they were going to charge me the 1 day difference, and put it into a new payment including interest, late fees, taxes, etc. unless I paid the difference. That is why I'm filing this complaint as I am really upset with all these unbelievable charges they are trying to put on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Resurgent Capital Services L.P.
State: MI
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:
In XX/XX/XXXX, XXXX LVNV Funding LLC collection accounts was deleted on my credit consumer report from XXXX and XXXX per my dispute request. XXXX refuses to remove these negative XXXX accounts to present. After multiple certified mail attempts XXXX and LVNV Funding LLC will not verify or validate these collection accounts. XX/XX/XXXX debt validation and debt verification letters were sent certified to both companies and again could not provide any information to prove this debt. Today is XX/XX/XXXX, my rights have continously been violated. I have all documents saved for legal purposes if necessary. Attached are pictures of the deleted accounts. As stated, I have all records for legal purposes if necessary.

Company response to consumer: Closed with explanation