BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am behind on my mortgage due to unemployment. I called the Mortgage company to see if there was anything that I could do, any type of program that I could be involved in. The first time I applied it was turned down because I had XXXX income reported ( coming in ). I called XXXX XXXX to see if there was anything that I could do and they said : " yes '' reapply if I had a " Contributor '' that I could add on the account. They asked me if I did, then they went over preliminary questions with me on the phone. One question they asked was how much does the contributor pay towards the mortgage. I said " {$1000.00} '' a month. After I gave them all of my financial responsibilities they said yes, they had a program that they could enter me into. They sent me the paperwork to fill out, I filled in the paperwork and sent it in with, they called me back and said they needed paystubs of the contributor and from me on my new part-time job. I sent it in, then they called and said that they needed proof that the contributor resided at the address. In about a week they sent me what they call " An Affordable Mortgage '' of {$2200.00} a month. Original Mortgage was {$1800.00}. They wanted a Trial Payment of " {$2200.00} a month, for 3 months. When I called them they said that is the best that they could do. I contacted XXXX and XXXX asked them why they used 100 % of the contributors ' income when the contributor is NOT a spouse and is not on the mortgage. What I was looking for was a temporary mortgage that is affordable while I continue in my job search. I also wonder why they never said there was a program for me when I said the contributor contributes " {$1000.00} '' a month and they used 100 % of the contributor 's income when the contributor also has expenses. I am aware that I am behind, but when I reached out to Penny Mac it was for help. Currently, there is no way I can afford {$2200.00} a month. The VA contacted them also and asked if the would consider extending the term of the mortgage for a lower temporary payment and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I found multiple inaccuracies on my credit report from the bureaus, and I am aware that it is your job is to ensure the accuracy of my credit report. 

Account Name : XXXX Account XXXX : XXXX Why is it that this account being reported with 3 different dates of last activity? Why is this account being reported with different date opened? Why is this account being reported with 2 different payment status? Delete the account for inaccurate reporting. 

Once you have finished my request, please send me an updated credit report reflecting my request. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: FL
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:
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-09-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a CD with Citi Bank, when the CD ended the money was not returned. I have spoken with Citi, both online and in person, and they were unhelpful. They claimed to only have 1 account for me on file, an unrelated credit card account.

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 2021-11-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
For over two years Ive tried with both XXXX XXXX auto loan and Experian to resolve the incorrect information on my credit report to no avail its a perpetual circle that no one knows how to fix or care to XXXX XXXX has me as delinquent on Experian Credit Report and within bankruptcy when Ive been discharged from Chapter XXXX bankruptcy sinceXX/XX/XXXX also XXXX XXXX  was paid in full. When I called they have no history of my account I do not have the Vin number since the car was totaled a long while ago please help

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 2022-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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 entered into a payment agreement with XXXX XXXX XXXX in XXXX of 2021 to pay off Kohl 's Charge Card and a few other lenders. I have been making on time payments of {$10.00} a month. Kohl 's has apparently ( I just reviewed my credit report today ) been reporting me late since XXXX of last year- which I have never been ( see attached images ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Per 15 USC 1681 I have a right to my consumers report one time per year and I have made several attempts through the website and by calling this company to obtain my consumer report. Every time I call I am told that they are unable complete my request and to mail my request. 
Per the consumer financial protection Bureau I am allowed one free credit report a year and if I have to go and buy a stamp and envelope that no longer makes it free and I am on a fixed income. I should not have to obtain these items to get my credit report consumer report which I am lawfully entitled to. 
By hindering me to these documents this company is making it difficult for me to verify my information while I'm trying to repair my credit and buy a home so it is viable that this information is available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue  legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.

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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 4. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. Identity Theft XXXX XXXX  Account Number : XXXX Delete this account. 6. Identity Theft XXXX Account Number : XXXX Delete this account. 7. Identity Theft XXXX XXXX Account XXXX : XXXX Delete this account. 8. Identity Theft XXXX Account Number : XXXX Delete this account. 9. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 10. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 11. Identity Theft XXXX Account Number : XXXX Delete this account. 12. Identity Theft XXXX XXXX XXXX  Account Number : XXXX Delete this account. 13. Identity Theft XXXX  Account Number : XXXX Delete this account. XXXX. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 15. Identity Theft XXXX Account Number : XXXX Delete this account. 16. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 17. Identity Theft XXXX XXXX  Account Number : XXXX Delete this account. 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : EMPLOYER : 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 2023-04-13
Company: EQUIFAX, INC.
State: GA
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:
XXXX Acct # XXXX, is furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. As defined by the IRS Publication 4681 ; Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! Furthermore, the consumer reporting agencies did not use reasonable procedures to assure maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies. Which is a direct violation of the Fair Credit Reporting Act. 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures 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 this subchapter. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2023-08-31
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 2019-08-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
greetings my name is XXXX XXXX XXXX XXXX and onXX/XX/2019 I attempted to apply for a new credit card because I frequently watch my score and I felt I was good. I then was denied and when i contacted American Express I was informed that there was an issue. I was told that I needed to fax in a copy of my social security card and divers license to the Customer Service Analyst Unit and when I asked why what was the reason I was told that Amex has my last 2 digits of my social security number in their system was incorrect. I faxed in my info as requested and questioned my last decision in which I applied for a new card so what social security number was used to run my credit. I was then told oh we didn't run your credit because we have you in our database already. " nonsense to me ' ... then I applied for a personal loan at XXXX XXXX XXXX and was also denied. they stated my credit score was low. now I understand clearly that there are only 3 credit bureaus. but I use XXXX  XXXX a credit monitoring system to stay on track and was told that I needed to purchase their credit monitoring system cause it was more accurate and the proof I had that was valid from XXXX  XXXX  wasn't valid or acceptable to amex. id like some assistance cause I been with XXXX  XXXX for a while and haven't been steered wrong. I feel amex is covering up their huge mistake that most likely would show more wrongful errors reported to the credit bureaus causing me headaches. please help as when I send your office my proof you will see I've been in the process of rebuilding my credit. 
thank you for your cooperation in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: SC
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:
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. 

Account name : XXXX Account number:XXXX Account name XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: GA
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:
Within the past month I noticed hard inquiries on my credit reports with the three main bureaus, XX/XX/XXXX, Experian and XX/XX/XXXX, which I have not authorized. 

In exercising my legal right under the Fair Credit Reporting Act, Section 609, to request information regarding said hard inquiries on my credit reports, I mailed details of each of the unauthorized hard inquiries to the respective credit bureaus. 

As per Sec. 609 of the FCRA, I am legally entitled to see the source of the information, which is the original contract that contains my signature. If the reporting agency is unable to verify the account with the original contract, containing my signature the unverified information must be immediately removed. 

Despite having been notified by me in mail with sufficient documentation substantiating my true identity, XX/XX/XXXX, Experian and XX/XX/XXXXhave all failed to remove the unverified information from my respective credit 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