BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Originally had an FHA mortgage through XXXX Mortgage. Went into XXXX forebearance for the allowed 18 months and began paying again in XX/XX/XXXX to XXXX. Agreed on a flex modification with XXXX and began the trial period for modified mortgage in XX/XX/XXXX. 

After 2nd payment the loan was sold to Carrington. Kept paying Carrington same amount while finishing their flex modification paperwork and sent the signed paperwork on XX/XX/XXXX. They acknowledged receiving and said they were processing. In the meantime they started reporting my loan as 180 days late to the credit bureaus in XX/XX/XXXX. To date have not finished my loan modifications. ( 10x communications by phone, email, etc and I keep getting told it is in the process ). 

Now I am reading your organization took action against them just last week for these exact practices. 

I have paid this loan every single month since my covid forebearance was up. My credit score has now dropped from 800+ to XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits XXXX reports {$470.00} XXXX  reports {$0.00} equifax reports {$240.00} they are reporting 3 different dates of last payment on my report XXXX and XXXX are reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX but if you look on the 2 year payment history equifax is also reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active XXXX reports XX/XX/XXXX XXXX reports XX/XX/XXXX equifax reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had XXXX late charges on XXXX XXXXXXXX accountthis was a mistake and was also under the cares act stated must be rmoved during this time, ive contacted XXXX XXXX twice with letter, and i always get a computer generated letter with the exact wording sent backive always on beentime before this and after, ineed this off.been about a year 1/2now

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 2020-11-05
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collection for XXXX XXXX reporting by Receivable Solutions. They have been extremely rude in trying to contact me. They threatened my job and my property ( which is not legal in XXXX that I am aware of ). It is currently being reported at {$1000.00}. The original debt amount is reported at {$1200.00}. 
The SC Dept of Revenue withheld {$1100.00} for this specific bill from my state tax return. I have the proof. 
Receiveable Solutions refuses to take it off. I have contacted them and contested it through the credit bureaus. They won't do it. This has happened before and it aged off. I am trying to buy a home. It is ridiculous. I have the documentation that it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: NY
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 accordance with the Fair Credit Reporting Act ( FCRA ), I want to raise my concerns regarding the list of accounts provided below, as they appear to be in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have already informed EXPERIAN about these accounts, namely ( XXXX XXXX XXXX XXXX ( Account Number : XXXX ) and ( XXXX XXXX Account Number : XXXX ) and requested a reinvestigation. 
However, to my disappointment, EXPERIAN responded that everything was accurate and complete. I find this puzzling, given that there are discrepancies in the reported open date, date of last activity, and other relevant details. As per 15 USC 1681i ( 5 ), consumer reporting agencies are required to correct and modify any accounts that are inaccurately reported.

Furthermore, under 15 U.S.C. 1681 Section 602 A, I have the right to privacy as a consumer. Section 604 A Section 2 of the same Act stipulates that a consumer reporting agency can not furnish any account information without my written consent, as stated in 15 U.S.C. 1681c. ( a ) ( 5 ) Section.

Additionally, according to the Act, no consumer reporting agency is allowed to include certain items of information in a consumer report, such as any adverse information, except records of convictions of crimes that antedate the report by more than seven years ( 15 U.S.C. 1681s-2 ( A ) ( 1 ) ).

It has come to my attention that the reported information is inaccurate and not in compliance with Metro 2 credit reporting standards. As per the FCRA, 15 USC 1681s-2 ( A ) ( 1 ), it is unlawful for any person to furnish inaccurate information knowingly or if they have reasonable cause to believe it is inaccurate.

I possess substantial evidence to support my claim. Therefore, I request a thorough reevaluation of these accounts in accordance with my rights under the FCRA. I believe that the information provided in the consumer report needs to be modified and corrected to reflect accurate and up-to-date information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently received a letter from my previous mortgage company that my social security number, name and other information was stolen. I received the letter in the mail today, dated XX/XX/XXXX, XXXX they informed me that my information was stolen. last year around XX/XX/2021, i filed a police report and id theft report because i was afraid of something like this. I sent out ftc reports and a police report to the XXXX credit bureaus asking them to remove certain accounts from my credit reports, including XXXX, XXXX XXXX XXXX XXXX XXXX, bank XXXX XXXX XXXX XXXX XXXX XXXX. the credit bureaus are allowing these accounts to pop back up on my report. i already told them i was the victim of fraud and id theft and i expected them to remove the files and block them from coming back on there but that is not the case. recently, i noticed someone tried to apply for a mortgage in my name through XXXX. XXXX said i have a fraud alert but that is not helpful. i am supposed to have one for XXXX but that does not seem to be the case because someone keeps accessing my credit files even with fraud alerts and none of them are not working so well. i called XXXX today about this, they transferred me to so many different people. the person who is supposed to handle my case never called me back. I left him a voice mail and he never returned my calls which is sad. equifax did not do anything at all for me to remove any accounts i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Truist Bank sends me letters on a monthly basis to tell me that I do not have homeowners insurance. I sent them proof from my insurance broker who sends them updates EVERY SINGLE time they send me a letter. They correct it for a few months then they send me another letter to say they will automatically purchase policies for me when I'm already insured. Then even after providing proof they still purchase a {$22000.00} policy and my mortgage payment goes from {$5600.00} to {$9000.00} without any warning and I'm told I now owe overdraft fees. 
Who is going to hold this company accountable for fraudulent business practices? 
I have to provide proof of wind, flood every 3 months - Why? 
I have every single letter they've sent me and can provide these as proof including all the policies they purchased for me automatically. 
I would not recommend anyone bank with Truist or obtain a mortgage from them as they clearly practice fraudulent business.

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 2023-06-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2023-07-26
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: Credit inquiries on your report that you don't recognize

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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  account numbers listed below 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 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. These entries are not authorized and incorrect : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These entries are inquiries that were not approved and i did not give my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.

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 2023-06-02
Company: Experian Information Solutions Inc.
State: NY
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:
I, XXXX XXXX XXXX, federally protected consumer rights under the Fair Credit Reporting Act have been violated by EXPERIAN. I'm looking for an fair and equitable solution to get EXPERIAN to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Navient Solutions, LLC.
State: GA
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:
NAVIENT is willfully failing to comply with the law and if they do not DELETE the account and stop reporting it and other information on my consumer report that I did not give them permission to do they will be held liable to me the consumer according to 15 U.S. Code 1681n - Civil liability for willful noncompliance. 
They are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, for failing their responsibilities and for not deleting inaccurate information from my consumer report. 
They are in violation of 15 USC 1681b ( 2 ) - Permissible purpose of consumer reports, I did not give them written permission to report anything on my consumer file. 
They are in violation of 18 USC 1028A, they knowingly transferred, possessed, and used my identity without my consent. 
They are in violation of 15 USC 1681e ( e ) ( 1 ), they must produce the permissible purpose, they must also certify it and send me disclosures. 
They are in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly says that transactions and experiences are not to be included in a consumer report. 
They are in violation of 15 USC 1681 ( a ) ( 4 ) they have invaded my right to privacy. 
They are in violation of 15 USC 6801 - Protection of nonpublic personal information. They are obligated to respect my privacy and to protect my security and confidentiality of my nonpublic personal information. They have not done that. My information is not a matter of public records. 
They are in violation of 15 USC 6803 ( a ) ( 1 ), ( 2 ) & ( 3 ) - Disclosure of institution privacy policy, I was not given three clear and conspicuous disclosures of their policies and practices. 
They are in violation of 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) & ( C ) - Obligations with respect to disclosures of personal information. I was not given three clear and conspicuous disclosures on the option to opt-out. 
NAVIENT is in violation of 14 violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
Beginning of XX/XX/2023, Transunion deducted 30 points for absolutely no reason... why?

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 2023-05-23
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I deposited {$5000.00} into the new account at Huntington Bank and met the terms of depositing {$5000.00} within the first 90 days of being open, to receive the {$400.00} bonus. I did not receive the {$400.00} bonus as promised. I filed a complaint with the bank roughly 2 weeks ago and never heard anything back. Unfortunately contacting this federal agency is the next step, even though I would rather not have to do it. Thank you and feel free to contact me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
BBVA facilitated negligence, permitting a 12 month no activity credit card account to be compromised. A transfer of {$600.00} permitted willingingly by BBVA financial institution to commit Fraud, allowing a foreign Philippine currency transactions of {$18.00} transactions # XXXX from unknown foreign entity labled : XXXX-XXXX  on XX/XX/2020. Company is aware of dispute yet additionally charged interest of {$5.00} on known fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: PA
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, Experian has violated my consumer rights by reporting a XXXX  XXXX bankruptcy. Pursuant to 15 U.S.C. 1681 SECTION 602 A ; I have the right to privacy : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' It also states a consumer reporting agency can not furnish an account without my written instructions. Pursuant to 15 U.S.C. 1681B ( 2 ) " consumer reporting agency can not furnish an 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