BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2022-11-30
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:
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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 2023-07-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2023, I began receiving phone calls from a collection agency, which prompted me to do a credit check, where I found a few anomalies on my report.This is out of the norm because I usually pay in cash due to having little to no credit.When I requested a free credit report from the three major bureaus ( XXXX, XXXX, Equifax ) I had no problems with the first two..Equifax on the other hand is giving me a hard time.When I tried to register for an account I was redirected to a error page with a number to call.Their excuse was ; I need to first apply for a loan and a account would automatically be created or send I could send a few documents to them via I'm not understanding this, because their website is stating something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: MRS BPO, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXXXXX is attempting to collect a debt because they did not turn the electric service off when I left the area.The amount is $ XXXX.I never have seen a bill or had an electric bill that big.I am disputing it.MRS Associates is the collector I also see MRS-BPO whatever that means.Ive never had an electric bill for this amount and it is impossible to get the bill that high because it would have been cut off before it could get that high.XXXX XXXX should have stopped service way before the bill was this much as I was not using the service at all.So this debt is because of terrible customer service from XXXX XXXXXXXX by not shutting off the electric service in a proper time frame when the residence was unoccupied.Nobody would shut the electric service off from XXXX XXXXXXXX on time or there would not be a {$1200.00} electric bill. I dont know what address this took place at nor have I ever received a bill for that amount anywhere in my life and Ive never had an electric bill that high in any place Ive lived.This could be another result of bad business practices by XXXX trying to make it harder for me.Im not sure where this electric bill was accumulated at all.The last date I see is XXXX of XXXX and I have been living in XXXX  since XXXX so theres no way I had XXXX  XXXX electric services in XX/XX/XXXX .My address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX.I have been here for XXXX years now.I never had electric service with XXXX  XXXX in the amount of {$1200.00} Please correct this on my credit report as soon as possible.The only way this bill could have happened is by someone using my name for an electrical service account with XXXX  XXXX while I was unaware and or used electric service for an extended period of time in an unoccupied dwelling somewhere after service was supposed to be shut off.I am a XXXX person on fixed income so my electric was cheap n I had assistance with my bill.This is not my electric bill debt with XXXX  XXXX period.XXXX XXXX would never allow me to go that many months without payment n keep service on until the bill was {$1200.00} Please remove this debt from my credit report as it is false information I am not responsible for.The collector doesnt provide any address for the outstanding bill and Ive never received a bill that big in my life.Especially when I had assistance to pay for electric service.

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: 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:
This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to questionspecific records in my document coming about because of the wrongdoing. The records I amquestioning connect with no exchanges acquiring any possession of goods, services or money that Ihave made or authorized. Assuming no one cares either way, block the noteworthy of any information inmy credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX XXXX : {$0.00} ; 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 2023-03-24
Company: EQUIFAX, INC.
State: IN
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:
I disputed an unauthorized inquiry with Equifax from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and it still hasn't been removed. I'm giving them one more chance before I start litigation and collect the minimum {$1000.00} judgement for this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a home mortgage with SunTrust/Truist that I refinanced with another bank. The refi closed on XXXX and the funds were received by Suntrust/Truist on XXXX. I had an escrow balance at closing of {$4300.00}. My understanding is that they have 30 days to return this money to me and they have not. The loan information is not longer available on their mortgage portal ( I have another loan with them and I see that one when I log on but the not refinanced one ). I have tried calling into their service center and have spent over an hour on hold each time, never succeeding in getting through to anyone. I have submitted an online message through their portal as well and have not heard back. I am concerned this huge corporation is slow-paying the return of my money and that this violates the law.

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 2023-07-27
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have two accounts with this bank. I have been waiting for over a month to receive my cards and have never received the cards. I contacted the company but they are not very helpful they reported the cards and the " balance '' to my credit report however I never received the cards. They need to expedite the cards this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

-- AUTO LOAN OR LEASE 2. XXXX  XXXX  XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I locked a rate with Silverton mortgage on XX/XX/22 for 180 days while building a new home. I had reached out to the XXXX who, informed me, that he had cancelled my loan because I had evidently told him I was going with a different lender. This is not true. I never once told them after XX/XX/22 that I was going with a different lender, in fact, I had no contact with the XXXX from Silverton until XX/XX/22. 

Not only did he cancel my loan without my request, consent, or any other reason he lied to my face and told me I called him in XXXX to alert him. This, too, is false. I parsed phone records from XXXX from my provider and found no phone call to or from the XXXX at Silverton. I parsed emails to him, the last one I sent was XX/XX/22 when I signed the 180 day rate lock disclosures. 

I had finally contacted his manager and he had attempted to fix it, stating he has never had anything like this happen in the 3 years he has managed the branch. This entire process has been stressful enough dealing with renting, landlord being pushy, construction delays, flaky timelines from the builder, and the cherry on top is a completely inept XXXX. 

I understand we all make mistakes, but not only is the XXXX not owning the issue he is lying to attempt to get around it. There is no paper trail regarding me allegedly wishing to cancel the loan, and the XXXX is attempting to fabricate one to avoid consequences. 

Even if this is resolved in my favor this complaint should be taken seriously by Silverton Mortgage. Not only could this XXXX cost me tens of thousands of dollars, the stress from this is completely unnecessary and should have been avoided entirely.

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 2023-09-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
EQUIFAX is reporting false information regarding my name. This is defamation to my character. They are also reporting false account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
ive sent in disputes letter with certified mail and the report remained even after being inaccurate XXXX  case dismmised i sent letters verify that the courts do not report to them nor am i resposible for the case due to FRAUD XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I submitted a dispute to XXXX and Experian via certified mail on XX/XX/XXXX, although I saw a new dispute was opened with XXXX through the dispute portal, I have yet to receive a response from this company. Experian never opened a dispute until today XX/XX/XXXX after my initial complaint to CFPB. They are both reporting inaccurate information on my credit file as well as incorrect addresses. I only live at one address and I have reached out to all current and past creditors and bureaus to update this information and have received push back. This is putting me at risk of someone obtaining my information from creditors. 

The accounts in particular that have not been properly investigated are : XXXX XXXX showing the first date of delinquency as XX/XX/XXXX on Equifax reporting but on Experian its XX/XX/XXXX. This is aging the file to remain longer on my report please remove as this is further damaging my credit history. 

XXXX XXXX XXXX is showing the original delinquency date as XX/XX/XXXX with a charge off of {$73.00} but has fluctuated the balance past due as {$450.00} and {$450.00} on XXXX month over month, but showing first delinquent date as XX/XX/XXXX on Experian with {$450.00} past due. Please remove as they are not updating this file to report accurate information to the other bureaus. 

Fair Collections & outsourcing XXXX was not properly investigated and shows date of delinquency as XX/XX/XXXX on XXXX but reporting XX/XX/XXXX on Experian. please remove this file as it is reporting different information on different bureaus further damaging my credit file.

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 2023-03-14
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I issued a complaint concerning Mr Cooper mishandling of my escrow funds. 

Compliant ID : XXXX Mr Cooper 's response to the above mentioned complaint : After a thorough investigation into this matter, Mr. Cooper found that we disbursed funds in the amount of {$2100.00} on XX/XX/XXXX, to pay your County Taxes for the year of XXXX in error. On XX/XX/XXXX, we contacted the XXXX XXXX XXXX XXXX and confirmed that there is a refund available due to the duplicate payment. Please allow 30-60 business days for the refund to be received and deposited into your escrow account. We sent you a letter on XX/XX/XXXX referencing the above information. 

Since this loan originated in XX/XX/XXXX, a new Escrow Analysis will not be generated until XX/XX/XXXX. This means that your current monthly payment of {$2700.00} will not be effected by the duplicate tax payment. We recognize that excellent customer service is key to our continued success, and we apologize for the specific experience you have encountered. It is not the experience we wish to create for any of our customers. We view your correspondence as an opportunity to evaluate and improve the service we provide to all customers. Thank you for bringing it to our attention and allowing us to address it. 

LOAN NUMBER : XXXXXXXX XXXX* I received today XX/XX/XXXX in the mail from Mr Cooper an Escrow Review Statement dated XX/XX/XXXX. First the funds have not been returned to my Escrow account. And, 2nd they are increasing my monthly payment by {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: NV
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 recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX, XXXX and equifax to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: TX
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 am sending this request that the account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: SC
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:
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy. 

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. 

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 reasonably cause to believe that the information is inaccurate. 

I have reached out to each reporting agency for a resolution but was not able to achieve XXXX. 

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 and number of Closed accounts that needs to be removed. 
XXXX XXXX XXXX date open XX/XX/XXXX. Not my account, XXXXXXXX XXXX XXXX XXXX, opened XX/XX/XXXX. Not my account. XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX. Not my account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Not my account. XXXX XXXX XXXX XXXX, this account should have been paid through my daughter XXXXXXXX XXXX. Should not be on my credit report. XXXX XXXX XXXX XXXX Open XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 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 2019-06-28
Company: PENTAGON FEDERAL CREDIT UNION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have tried to find a solution with PenFed in regards to the auto loan as well as the credit card that I have with the Credit Union. Over the last 6 months I have corresponded with several of the penFed representatives by phone and e mail to result in a fair opportunity for resolving the matter of late un unpaid balances. Starting in XXXX I made many attempts to have the auto loan looked at a negotiated to terms in which were financing the remainder of my auto loan {$16000.00} ( the loan balance was {$30000.00} at beginning of financing 3 years ago ( XXXX ). I have paid over half the loan balance. On XX/XX/XXXX I have e mail from XXXX XXXX advising me that XXXX was able to take control of my loan and find a solution. On XX/XX/XXXX XXXX as advised NEVER corresponded with me regarding loan, nor have I been in conversation with XXXX at all. ( I have all e mail correspondences ) I have taken all extremes in resolving this matter with the Credit union to further my relationship with the bank. Requesting to finance the remaining balance of my auto loan to lower my payment which would then also allow me to stay current on the credit card. PenFed has now started reporting negative actively as well as HARD inquiries on my credit report which in turn has caused a negative impact to my credit score as well as late payments to my credit history. My credit score has now declined due to PenFeds activity and non willingness to work with the consumer to settle payments. The only negative activity on my Credit is PenFed and it is causing hardships now in other areas of my life. I would like to resolve this matter sooner than later with this Credit Union as I am in good standing with all other accounts and payment history and also would like to keep my automobile.

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