BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent the following letter into Transunion on XX/XX/2023 After reviewing my credit report, I have noticed that a collection account was added to my credit file. This account does not belong to me and I would like to request that it be removed from my credit report. 

The account in question is listed as XXXX XXXX XXXX  Account Number XXXX, which has been listed as a delinquent debt on my credit report. However, I have never opened an account with this company, nor have I received any correspondence from them regarding this debt. I believe this account has been erroneously added to my credit report, and I request that it be removed immediately. 

In accordance with the Fair Credit Reporting Act, I am entitled to dispute any inaccurate information on my credit report. I have attached copies of my drivers license for verification of identity. 

I would appreciate your prompt attention to this matter and a prompt resolution of the dispute. I understand that you have 30 days to investigate the dispute and provide me with a written response.

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 2023-05-30
Company: Experian Information Solutions 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:
I am writing this letter as my formal notice of intent to commence legal proceedings against Experian, due to violations of the Fair Credit Reporting Act ( FCRA ), specifically, 15 U.S.C 1681n and 1681i. As you are undoubtedly aware, the FCRA, 15 U.S.C 1681n, makes consumer reporting agencies liable for willful noncompliance with the statute. 15 U.S.C 1681i, on the other hand, stipulates that any consumer reporting agency must conduct a reasonable reinvestigation free of charge when a consumer disputes the completeness or accuracy of any item of information contained in the consumers file. On XX/XX/2023, Experian notified me and stated that the accounts were not removed because they were certified by the furnisher, but they updated the information on the accounts. However, the account information remained the same and in fact, still included numerous inaccuracies. 
XXXX XXXX Acct # - XXXX Inaccuracies- PAST-DUE BALANCE INACCURATE ON A CHARGE-OFF - PAST DUE AS OF DATE INACCURATE - DELINQUENCY DATE TIMELINE INACCURATE XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX Inaccuracies- - REPORTING INACCURATE PAYMENT HISTORY XXXX XXXX XXXX XXXX - XXXX Inaccuracies- - INACCURATE DATES - BALANCE INACCURATE - INACCURATE PAYMENT HISTORY - DELINQUENCY DATE TIMELINE 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 explanation
Consumer complaint received 2022-05-17
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit act XXXX Account # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
I was working with The Texas Mortgage Relief program. They paid mortgage that I put on backend plus additional mortgage payments making me due for XX/XX/XXXX! My loan was sold from XXXX to M & T bank! I was laid off due to unforeseen circumstances in the economy. I went from Unemployment, part time job short contract trying to make ends me as a single mom of XXXX girls. I opt out of the partial modification which was original processed with XXXX. I had a XXXX RESPA PERIOD WHICH protected me. I advised M & T I was working with and waiting on the Texas Mortgage Relief! I dont understand once my number was called and a check was issued for {$54.00}, XXXX making me due for XX/XX/XXXX why would you accept the payment XX/XX/XXXX and now want to missapplid funds XX/XX/XXXX and send it back! Telling me i was in a partial modification, i defaulted and didnt pay XXXX XXXX and XXXX! You are declined And now proceeding with foreclosure! Texas Mortgage Relief is supposed to prevent this from happening! I am back working and now you want to kick me out of my home and not accept the XXXX payment. I called customer service and confirmed M & T got the payment she said he said XXXX x you dont have to do anything else you are due for XX/XX/XXXX!!! Now today She said well we will take it but its going go towards the partial! I opt out of that! Why are you doing this to a single mom with XXXX kids! The then told me to scroll down there are other forms to help with hardship! XXXX i just got funds from an legit organization! Please help me keep my home and tell them to apply the funds from the mortgage relief! The texas mortgage relief is closed no longer accepting clients and you are going to make me reapply go back thru the process when YOU have the funds! Please help M & T NEVER SEND ANYTHING IN WRITING SAY I DEFAULTED OR THAT THEY WERE NOT ACCEPTING THE PAYMENT! THEY WERE IN COMMUNICATION WITH TEXAS HOMEOWNERS RELIEF!! Then why accept thr payment from them if I was working with them. They sent the check XX/XX/XXXX and it was received and cashed by M & T bank XX/XX/XXXX!!! They applied it to my account XX/XX/XXXX!!! I need M & T to keep the payment or if not get me to a XXXX lender!!! help me find a XXXX respected LENDER!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, my name is XXXX XXXX. there is a credit collection from MIDLAND CREDIT MANAGEMENT supposedly opened on XX/XX/22 on my account that has been settled & removed due to the reasoning being " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravins ( mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. '' This account has been sold to another company ( MIDLAND CREDIT MANAGEMENT ) and now the collection is reappearing after it has been removed in the past from original creditor XXXX XXXX XXXX XXXX XXXX XXXX 

The credit bureaus have not accurately removed this account due to false information being reported. 

This collection needs to immediately be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I TRIED CONTACTING THEM BT IT SEEMS LIKE THEY ARE BLOCKING AN UPDATED VERSION OF MY CREDIT REPORT AND SCORE FROM SEVERAL WEBSITES AS WELL AS THEIR OWN SO I CAN SEE UPDATED INFORMATION. IT SEEMS RETALIATORY SINCE I HAVE FILED COMPLAINTS FOR INCOREECT REPORTING IN THE PAST. 

it always says temporary issue and yur report is not available ( For 3 months know )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 2022-05-17
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2022-05-17
Company: MRS BPO, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a debt collection notice in the mail from MRS which I guess is a debt collection company. The bill was sent XX/XX/2022 for {$3100.00} and it is not me. Ive never had XXXX and I was a victim of identity theft. I called MRS to discuss what my next steps should be and they updated the profile and told me to make a police report and send affidavit to the website of www.Verizon.com/fraud and to the email of XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX, Equifax and XXXX blocked me from putting freezes cause I've been a victim of identity fraud. I've been a victim of data breaches XXXX XXXX allowed another person to put a freeze on a statement on my account with their name and their contact information and I don't even know this person, and still for the last 3 to 4 years I can't get access to my own account. I can't get my credit report and then when I start disputing stuff because they remove stuff and then put it back on because that's why they block me. This is fraud. The credit bureaus are committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I need guidance from Department of Education on the separation process for my spousal consolidation loan. I intend to separate the loans but I do not have any guidance on how to make it happen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently accessed my credit report because Im in the market for a house and I see two fraudulent accounts on credit report. The following accounts are to be removed immediately ; XXXX XXXXXXXX XXXX and XXXX XXXX. Never had either of those accounts they are an act of fraud.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Ive noticed some unauthorized inquiries on my credit report accorded to the FCRA these are unverified and unauthorized items and I would like them to be removed 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 2023-05-09
Company: FLORIDA HOME TRUST MORTGAGE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hi, I'm XXXX XXXX XXXX from La XXXX, XXXX XXXX, XXXX. Recently, I founded a company in Wyoming called XXXX XXXX ( XXXX XXXX ). Since the company was in process, I was trading with an account in XXXX in XXXX XXXX without any problems for about three months. However, when I accumulated more than {$10000.00}, they froze my account and asked me to send them proof of the transactions. I sent them evidence showing the item sold and the selling price that corresponds to the money that entered my account, but they haven't responded to me for more than 5 days. I need the money to work and fund my company. How can I recover my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: TX
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:
15 USC 6802 Obligations with respect to Disclosures of personal information I did not give written consent or instructions to share my personal information to a third-party. 

15 USC 6802b Opt Out states a financial institution may not disclose non public personal information to a nonaffiliated third party unless, such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or the other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party. 
The consumer is giving the opportunity, before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. 
The Consumer is giving an explanation of how the Consumer can exercise that nondisclosure option. 
Along with the ( GLBA ) Gramm-Leach-Bliley Act Governs the treatment of nonpublic personal information about Consumers by financial institutions and refraining from disclosing account numbers or similar forms of access codes to any nonaffiliated third-party. 
I choose to opt out from having any information from XXXX XXXX XXXX to share my personal information, as a result I respectfully asked that you remove XXXX XXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio recovery associates has been using communication tactics and harassment go collect a debt that was fraudulently opened in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 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 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 2023-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got a series of emails from Bank of America on XX/XX/23 asking to confirm my email, welcome to online banking, and the online banking account could not be opened- you will need to visit a branch and bring form of I.D . I do not have any accounts with Bank of America, only XXXX. I went to a Bank of America branch on XX/XX/23 and they looked up any accounts linked to my social security number and one popped up. There were no funds in the account and the address on file was an old address I used to live at. Bank of America stated I was the 5th person to come in recently to have this happen to. They advised me to freeze my credit and/or request a new social security number. I called XXXX, XXXX, and XXXX to place a freeze on my credit. I also filed a case with the FTC for Identity Theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-05-30
Company: Experian Information Solutions Inc.
State: LA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation