BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was told when applying for a mortgage that I had debt on my credit report. I shouldn't, because I don't owe any money. I was told to contact Transunion. I did, and they weren't able to tell me what the debt was allegedly for, except that it was medical. I don't owe any money for medical debt. I haven't been to the doctor since I was a kid. They told me that they contacted the company claiming I owe them money. They said the company told them the debt was accurate. That was the extent of their investigation. I shouldn't have to pay other people 's debt. Someone else 's medical debt shouldn't prevent me from buying my home.

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 2021-12-03
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I had a credit of $ XXXX deposited into my PNC checking account showing Covid credit as the category. When I contacted my bank as to what it was, I was informed it was a credit like citizens had received before during the last year for pandemic. I never requested this money I never signed anything, etc. Amazing, so I thought. 
My direct deposit paycheck hit my account at midnight today and PNC took it saying my account was now overdrawn and used it to repay what is now showing as a $ XXXX temporary credit. 
I am a XXXX mom and this took my rent and groceries for the next XXXX weeks. My next paycheck will also be taken for the outstanding difference. 
I contacted PNC who now denies any of this and states if was financial assistance, which again I never requested. They would not even assist with a payback plan or anything. 

This is absolutely unethical banking practices and theft on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX paid {$1700.00} ( XXXX # XXXX from account on XX/XX/XXXX ) at Fifth Third Bank branch in XXXX XXXX  to pay off mortgage. 
Fifth Third sent letter dated XX/XX/XXXX confirming mortgage # XXXX, paid. Letter stated it would take up to 90 days before Lein release is recorded. XX/XX/XXXX, called XXXX XXXX XXXX of Deeds inquiring about lien release. They had no info. 

XX/XX/XXXX @ approx XXXX pm, spoke with a XXXX XXXX XXXX XXXX at Fifth Third branch located in XXXX, XXXX. XXXX XXXX pulled up the account and informed me that the process had not even started. This is now six ( 6 ) months since pay-off. XXXX XXXX sent an Email to the mortgage department for an inquiry. 

It is now approaching two ( 2 ) months and still no release. Included in the pay-off amount was a fee of {$30.00} for recording the Lein Release . 

This is the same bank that on XX/XX/XXXX Website was malfunctioning. Attempted to pay credit card ( XXXX ) website would not issue a confirmation #. Attempted two more time with no confirmation # issued. Called and a Fifth Third representative processed my payment. Checked bank account on XX/XX/XXXX, bank account had four ( 4 ) payments debited ( extra {$360.00} ). Minimum payment was {$35.00}, I paid {$120.00} on the account. At XXXX XX/XX/XXXX, spoke with a representative XXXX who assured me that Fifth Third would rectify and reimburse any fees. XX/XX/XXXX {$240.00} reimbursed to bank account. Went to the XXXX XXXX XX/XX/XXXX to inquiry where the other {$120.00} was. Fifth Third cut a check on XX/XX/XXXX. ( XXXX XXXX Bank should have shut down web-site. ( XXXX ) With no confirmation # payments should not have been debited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. 
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, Online Information Service Account # XXXX XXXX  XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX 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 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 year 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 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2019-03-22
Company: TOWNE MORTGAGE, LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX Mortgage has been terrible to work with. My grandmother passed away in XX/XX/XXXX and she had an interest only HELOC since XXXX originally with XXXX XXXX. When she passed, her house was willed to my uncle and my mother. XXXX told us to continue to make the payments. Then in XX/XX/XXXX I went to make the XXXX my mothers behalf at a local branch and they told me the account was frozen and with an attorney and would not allow me to make the payment. I then had to hire an attorney ( which did nothing but charge me XXXX ) to try to help us. They told me that we were behind and made up all these charges we had to pay by XX/XX/XXXX. I paid them XXXX plus they want us to pay another XXXX in attorney fees plus we had to pay our own attorney fees. I thought we had everything worked out and the very next bill I received, has a default rate of 8.25 % on it which I was promised would be lowered by the time of the next bill and was not. Everything they have said or done has been false. They said my grandmother was late on all these payments while she was still alive. Well then why wasnt that handled while she was alive? Why wait so long. They are unfair and couldnt produce anything to prove this. I still did the right thing and paid what tgey asked and we are still having issues. They also made my mother solely sign a forbearance agreement and did not make my uncle sign or even agree to it.

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 monetary relief
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX : {$2600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: MIDFIRST BANK
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My FHA Mortgage was originally with XXXX XXXX. I have always paid my Mortgage on time. However during the pandemic shutdown when I was kept from working, I had to put my mortgage on a COVID-19 Forbearance. When that Forbearance ended I signed a XXXXartial Claim Deed Of Trust stating that the balance was to be paid back if I sell my house, in the case I refinance or by the due date of XX/XX/2049. Now Midland Mortgage has purchased my loan from XXXX XXXX  and they have not been honoring the Partial Claim Deed Of Trust I signed back in XX/XX/2021. They have been sending default letters in attempt to collect that debt claiming that if I do not pay in full by XX/XX/XXXX they will escalate to foreclosure. Besides the fact that my partial claim deed of trust clearly states the balance isnt owed until XX/XX/2049, that balance is owed back to XXXX, XXXX, not Midland Mortgage. Ive made several attempts to resolve this with Midland Mortgage. Ive sent Notices of Errors, I have sent request for accurate Information & I have made several phone calls. Every time I speak with Midland Mortgage they claim they are waiting on all the documentation needed from my previous lender XXXX XXXX  in order to update my account. However when I contact XXXX XXXX  they claim they have transferred all of my documents required to Midland Mortgage.

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 2019-05-06
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, upon the review of my credit report on XX/XX/XXXX I noticed the following organization Caine Weiner listed an entry on XX/XX/XXXX. I have never done business with this organization and would like to see this entry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: PA
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:
There are incorrect late payments showing on my credit reports from " XXXX XXXXXXXX XXXX XXXXXXXX ''. The credit reporting agencies are showing a late payment in XX/XX/XXXX and a late payment in XX/XX/XXXX. When I log into my account through the company, they show a late payment in XX/XX/XXXX and a late payment in XX/XX/XXXX. 30 days had not yet passed and the company reported my account as being late to the credit reporting agencies. All of the information is inaccurate. According to my payment history showing on my account, my the late payments in question have been paid before on the same date that my payment is due. My due date for my payments are the 25th of each month. The XX/XX/XXXX " late '' payment was made on XX/XX/XXXX. There was a payment of {$31.00} on XX/XX/XXXX to cover the payment due for XX/XX/XXXX. There was also a payment of {$62.00} made on XX/XX/XXXX to cover XXXX and XXXX payments of XXXX. As stated above, my payments are due on the XXXX of every month and the late payments in question were not 30 days late.

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 2019-03-22
Company: Experian Information Solutions Inc.
State: CA
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:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent inquiries to my credit file. As a result, I disputed this identity fraud inquiries with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX Inquiry DateXX/XX/XXXX XXXX XXXX XXXX Inquiry DateXX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/ XXXX XXXX Inquiry Date XX/XX/ XXXX XXXX Inquiry Date XX/XX/ XXXX XXXX XXXX Inquiry Date XX/XX/ XXXX XXXX XXXX Inquiry Date XX/XX/ I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.

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 2023-09-27
Company: EQUIFAX, INC.
State: MS
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XX/XX/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 2022-10-03
Company: EQUIFAX, INC.
State: IL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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: Information belongs to someone else

Complaint:
AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX DATE OPENED XXXX Contact info XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 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 results 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 id
entit theft!! Please delete these items as soon as possible!

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 und 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. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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