BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUD INQUIRIES THAT MUST BE REMOVED NOW! 
INQUIRIES : XXXXXXXX XXXX Important dates-Inquiry date-XXXX XXXXXXXX XXXX  Removal dateXXXX XXXX XXXX XXXX XXXX XXXX Contact info AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEXXXX Phone number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXXXXXX Removal date-XXXX XXXX Business typeXXXX XXXX XXXX Contact info- Address  XXXX XXXX XXXX XXXX XXXX, NVXXXX Phone number- ( XXXX XXXX XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXX XXXX Removal date-XXXX XXXX Business typeXXXX XXXXXXXX XXXX non specific Contact info-Address XXXX XXXX XXXX XXXX XXXX XXXX MNXXXX Phone number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXXXXXX Business typeXXXX XXXX  Used Contact info-Address XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NYXXXX Phone number- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXXXXXX Business type-Federal Government Contact info-Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number- ( XXXX ) XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-XXXX XXXX XXXX XXXX. 
XXXX Important dates-Inquiry XXXX XXXX XXXXXXXX Removal date-XXXX XXXX  Business type-Personal Loans Companies XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXXXXXX XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry XXXX XXXX XXXXXXXX Removal date-XXXX XXXX XXXXXXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Finance other than personal Contact info-Address XXXX XXXX XXXX XXXX, XXXX Phone number- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXX Removal XXXX XXXX Business type-Finance, personal Contact info-XXXX XXXX XXXXXXXX XXXX XXXX, NYXXXX Phone number- XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXXXXXX Removal date-XXXX XXXX Business type-XXXX XXXX XXXX XXXX XXXX Contact info-Address XXXXXXXX XXXX XXXX XXXX, DEXXXXXXXX Phone number- XXXX XXXX ) XXXXXXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX, XXXX Removal dateXXXX XXXX Business type-Automotive Contact info-Address XXXXXXXX XXXX XXXX XXXX XXXX, NYXXXXXXXX Phone number- 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 2023-01-17
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
On XXXX of XXXX, people gained access to my online account and, claiming to be XXXX, XXXX without my knowledge or approval {$10000.00} from my savings account to checking, and then proceeded to " XXXX '' themselves {$5000.00} over XXXX transactions during each of these XXXX days. on the second day when I realized what was happening I contacted XXXX immediately, closed all of my accounts and online access and set up new ones, and had XXXX start an investigation ( XXXX and XXXX for XX/XX/XXXX and XX/XX/XXXX, respectively ). XXXX proactively gave me back the {$10000.00} during the investigation, and eventually came to the decision that the transactions on XX/XX/XXXX were fraudulent, but the transactions on XX/XX/XXXX were NOT, and that I had to pay them back the {$5000.00}. Of course I immediately disputed this decision and appealed this decision multiple times. Every time I appealed, they sent me a letter confirming my appeal, followed by another letter saying they support the original decision. Meanwhile, at no time did any contact me, the branch I went to when this occurred, or seem to do anything different or gather any more information. 
Eventually, XXXX then decided to CHARGE ME the {$5000.00} to a Line of Credit account that I didnt even have access to anymore since it was connected to the closed account. Not only did I have no way to pay these accounts online, I never conceded to agree to this charge and had continued to dispute the monies owed. Now, they have charged off the account and sent it to collection for debt that I dont believe I owe, PLUS they have continuously negatively reported on my account as being delinquent when the money owed is in question and dispute. So now it's also screwing up my credit. 
After being a customer of theirs for well over 20 years, I'm being treated like garbage and they are ruining my credit over an amount that is still suspect as to whether I even owe anything. And of course, at no time have the people who seem to make these decisions about the nature of my " case '' ever had direct contact with me. I have only been able to speak with their overseas support staff in the fraud department - never anyone domestic ; never the same person. I need assistance. 

I have attached a copy of XXXX their appeal acknowledgements as well as XXXX of their " we're not changing our minds '' letters. There were several of both. Please note they have also sent this account to collections and written it off as a " charge off, '' both of which is inappropriate since the amount is in dispute. Any monies I may have owed prior to XXXX adding the {$5000.00} balance I am quite happy to pay.

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 2023-06-14
Company: Experian Information Solutions Inc.
State: TX
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-12-27
Company: NAVY FEDERAL CREDIT UNION
State: MS
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:
To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I am distressed that you have included the below information on my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the FRCA, unauthorized inquiries should be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
About once a month, Experian, or someone claiming to be them, with access to my account number ( they put it in the email ) sends out an email with the following information : Sign in to confirm your car There is a car that matches the info in your Experian membership. Sign in to confirm it's yours and check out free auto benefits. 
Sign in Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian XXXX XXXX emails in the past, dont worryyou no longer receive newsletters or special offers. 

You can update some alerts and communications preferences any time on your Experian XXXX XXXX profile, but youll continue to receive notifications like this one on the status of your account. 

To ensure that youll stay up to date on account notifications, add XXXX to your address book and avoid marking these messages as spam. 


The link then goes to a list of XXXX vehicles, usually the same ones, and asking for loan status on them. 

It looks like theyre trying to confirm information, but there is no option to actually say that you dont own this vehicle. And all available options route you to a marketing pitch for auto loans or refinancing. 

Theyre being deliberately misleading by claiming that this is not marketing, it is part of your consumer record ( I dont actually own a vehicle ), and getting you to click through to an auto loan sales pitch is shady as 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 2021-08-09
Company: INDEPENDENT BANK CORP.
State: MA
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:
On XX/XX/2021 I disputed the balance of my mortgage with Rockland Trust to XXXX  through XXXX XXXX. Instead of updating the balance, Rockland Trust was totally removed from my credit report. I have been going back and forth with Rockland Trust and XXXX. Rockland Trust says XXXX  has to request information to put Rockland Trust back onto my credit report and XXXX  says the Rockland Trust has to report my mortgage to XXXX. I was also told by XXXX and by XXXX at XXXX  that even if I send a letter to XXXX  from Rockland Trust stating my mortgage is in good standing along with my mortgage statement, they will question the validity of the documents because they are coming from consumer ( me ) and not from actual creditor, Rockland Trust. Pease help. My credit score is affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: FL
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:
XXXX added an settled old account to my Credit file in violation of FCRA hindering my ability to obtain a new loan. Having the credit bureaus report a 2nd mortgage on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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:
SEVERAL CREDIT CARD ACCOUNTS THAT WERE PAID IN FULL THROUGH THE ACTUAL CREDIT CARD COMPANY THAT WAS PAID IN FULL, BUT REPORTING NEGATIVE OR BAD ON ALL THREE CREDIT BUREAUS XXXX, XXXX AND TRANSUNION.

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 2021-08-10
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX allowed XXXX University to use my taxes and put me on a loan that I never agreed to or signed for. I provided my taxes so my daughter would be better able to receive the aid she needed for her college. I never signed or agreed to be a cosigner. They filled out a loan and stole my 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 2021-08-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
No contract with the company, I disputed with the original creditor in the past and it was removed from my report due to a fraud account. My identity has been compromised and used for goods and services that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions 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:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX, XXXX and Experian is reporting late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX, XXXX or Experian written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is 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 the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer 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 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Claim : 1. No statements received between XX/XX/2021 and XX/XX/2021 2. Believed was paying pursuant to my card agreement 3. No access to online statements because card was canceled 4. XXXX XXXX sent charge card account to XXXX XXXX XXXX XXXX, an outside collection agency, at an alleged forty- two ( 42 ) days past-due on or around XXXX XX/XX/2021 a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX 5. Spoke with XXXX representative on XXXX XX/XX/2021 regarding not having received bill a ) acknowledged by XXXX XXXX in XXXX XXXX XXXX in response to CFPB XXXX XXXX 6. XXXX filed a billing error notice with XXXX XXXX ( in writing ) on my behalf on XXXX XX/XX/2021 a ) XXXX XXXX acknowledges receipt of notice in XXXX XXXX Letter in response to CFPB XXXX XXXX. XXXX XXXX did not cease efforts to collect on disputed amount a ) acknowledged by XXXX XXXX in XXXX XXXX XXXX in response to CFPB XXXX XXXX XXXX. Billing Error notice should have also triggered a direct dispute under 12 CFR XXXX 9. XXXX XXXX did not notify me of their findings a ) XXXX XXXX circumvented an investigation by having XXXX verify the current address Harm : 1. No effectuation of notice via periodic billing statements between dates identifeid in claim 1. 

2. XXXX XXXX did not investigate reasons for non-receipt of bills a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX 3. XXXX XXXX continued to bill and report negative credit history to CRAs without an investigation into reasons for billing errors ( non-receipt ) a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB 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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-04
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 I supposed to receive a deposit for {$150.00} to PNC BANK. PNC BANK told me that the deposit was rejected the same day due to closed account. I've waited a whole month thinking that the deposit was sent back to the sender and would come in a check because it was rejected by the bank. But instead, I was lied to and they kept the deposit and forward it to collections without my knowledge or consent. I just discovered this information today XX/XX/2022 because it has been quite a while. 
I really need help. I didn't like the fact that I've called several times and was told the same thing instead of them telling me otherwise. That was very dishonest and untrustworthy of a bank. I would like my {$150.00} back please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: IN
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 explanation
Consumer complaint received 2015-10-10
Company: ARBOR MORTGAGE
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Me and my wife ( a/k/a ) XXXX submitted an application for the refinance of our apartment building to Arbor XXXX Mortgage, XXXX XXXX Arbor XXXX in XXXX for an FHA loan ( which was discontinued, for some reason ) and then again we submitted another application for a XXXX loan on XXXX with Arbor. We had submitted a {$25000.00}. deposit with the application. After six XXXX 6 XXXX months time had passed, on the XXXX application, Arbor sent us a letter dated XXXX/XXXX/XXXX which was received by us, 31 days later on XXXX/XXXX/XXXX which turned us down. Later, Arbor told me that the reason was that the apartments were too small XXXX. Arbor knew the sizes of all the apartments back in XXXX XXXX when we sent Arbor a rent roll which depicted other information and the sizes of all the apartments and again in XXXX XXXX, which again, depicted all the apartment sizes. In spite of the above, Arbor ordered an appraisal for {$6000.00}. and an environmental report for {$4800.00}. on XXXX/XXXX/XXXX ( To this day we have never seen a copy of either report XXXX My problem is that they feel that they are entitled to keep {$13000.00} and only refund us {$11000.00}. I sent a letters to XXXX XXXX, CEO of Arbor, on XXXX/XXXX/XXXX and I never received a reply. Upon information and belief, XXXX XXXX, of Arbor, and the XXXX underwriter XXXX XXXX XXXX knew the above information, full well, in XXXX and XXXX. Please note that XXXX XXXX XXXX never signed the contract ( or agreement ). It was left blank. I feel that Arbor should refund all of my {$25000.00} plus interest @ 9 %. 
fact that Abor never signed

Company response to consumer: Untimely response
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
the following inquiries are fraudulent and were not authorized by me XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX NA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX. 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date 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