BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I got a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Your company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

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

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 2023-09-30
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 hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of accounts with 3 Credit Bureaus. I have been a loyal customer of your organization and have always appreciated the quality of products/services you provide. However, I have recently encountered an issue that I believe requires immediate attention and resolution. 

I initiated the process of opening 2 new accounts with your company. I followed all the necessary procedures and submitted the required documentation promptly to ensure a smooth and timely account activation. However, despite my efforts, both accounts have experienced significant delays in being opened, which has resulted in various inconveniences for me, including [ mention specific inconveniences, such as delayed access to services or products ]. 

I understand that administrative processes can sometimes be complex, but the prolonged delay in opening these accounts has caused undue frustration and inconvenience. It is imperative that these issues be resolved promptly to maintain the trust and confidence I have placed in your company. 

I kindly request that you take the following actions to address this matter : Investigate the reasons behind the delay in opening accounts XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX and provide me with a detailed explanation of the causes. 

Expedite the accounts activation process and ensure that both accounts are opened without further delay. 

If there are any additional documents or information required from my end, please communicate these requirements clearly and promptly. 

Ensure that appropriate measures are put in place to prevent such delays from occurring in the future, as timely service is essential for maintaining a strong customer-business relationship. I value the business relationship I have with Credit Bureaus and hope that we can work together to rectify this situation promptly. I am confident that your prompt attention to this matter will help ensure our continued positive relationship. Please assist me to correct the following late open accounts : XXXX XXXX XXXX Balance : {$210.00} ; ( New Late Open : ) XXXX XXXX XXXXXXXX Balance : {$8100.00} ; XXXX XXXX XXXXXXXX Balance : {$19000.00}.

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 explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: AZ
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 am a victim on ID theft, there are som inquiries on my report that I didn't allow

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: IL
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.

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 2022-12-27
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXXXXXX XXXX Balance Owed : {$18000.00}.

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 explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: AR
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-10-27
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: In progress
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of 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 non-monetary relief
Consumer complaint received 2019-11-22
Company: PNC Bank N.A.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a car in XX/XX/XXXX. I made my first payment for the exact amount due in XXXX of XXXX. After that I made a payment before the due date in person with the teller. I paid an additional {$30.00} the next month and asked the additional amount to be applied to the principal. Fast forward to XXXX of XXXX when I paid an additional {$1500.00} toward the principal and that is when I realized the bank was not applying my payment correctly ( toward the principal balance as requested ). I was told to leave the bank and I was given an 800 number to call and ask to have each payment applied as I wished. That process started in XXXX of XXXX and that phone call lasted over an hour. At that time I requested a payment history of my account and was told it would be mailed. That request was never received. In XXXX I walked into the bank and paid an additional {$530.00} above my normal payment and again requested the difference to be applied to principal. After the same happened in XX/XX/XXXX I asked someone in the branch to call the servicing Dept. At that point I asked again for the payment history. It was finally mailed XX/XX/XXXX showing next payment due date of XX/XX/XXXX ( 2 months in advance ) In XXXX I made another {$1500.00} payment toward principal. At that point I was tired of the extra hassle of trying to pay extra on my loan that I asked for a payoff. When I was given the payoff amount it didnt reflect all of the extra payments I had been making. I was repeatedly told the extra payments were being applied to future payments. When I questioned this amount I was told it would take up to 14 business days to get back. At this point Im going to pay off this loan and will take them to court to get my extra payments and over payment on the interest I was charged. Terrible service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX XXXX auto loan is not my account! remove immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX {$340.00} XXXX {$340.00} XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$5400.00} THIS ACCOUNT WAS ADDED TO MY CREDIT REPORT .I WAS A VICTUM OF FRAUD AND HAVE NO KNOWLEDGE OF THESE ACCOUNTS. I NOTIFIED TRANSUNION XXXX AND XXXX WITH A IDENTITY THEFT REPORT TO LET THEM NO THESE WASN'T MY ACCOUNTS. I HAVE NOT HEARD ANYTHING BACK FROM THEM AND ALL ITEM ARE STILL ON MY CREDIT REPORT. CAN YOU PLEASE LOOK INTO THIS MATTER AND DELETE FROM 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 non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: RI
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX  XXXX Bankruptcy 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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 am interested In processing disputes on my credit report to help remove negative items on my experian credit report. checking my file ive noticed alot of inaccurate information on my credit report with experian. review the items in the files an remove the data listed asap.

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 2021-10-20
Company: Home Point Financial Corporation
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed my home on XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX on XX/XX/XXXX. 
Homepoint Financial was my mortgage company and there was an overpayment of escrow of {$2000.00}. 
During the closing Homepoint sent the money to XXXX county IA for property taxes which was an over payment.Taxes were also paid at closing. 

I went to XXXX county to claim the funds and they told me the funds were returned to XXXX XXXX.I raised a ticket with XXXX XXXX on XX/XX/XXXX and got feedback on XX/XX/XXXX Below is the reply Thank You for your inquiry, We verified our records for parcel # XXXX refund in the amount of {$2000.00} was already received from tax office and was processed to the lender on XX/XX/XXXX, Please find the attached screen shot and you can reach out to you Mortgage company ( HOMEPOINT FINANCIAL CORPORATION ) for any additional inquires. HOMEPOINT FINANCIAL CORPORATION Please feel free to contact me with any additional questions you may have. To reach a member of our Customer Product Support Team, please email XXXX or via telephone at XXXX. 

XXXX Customer Product Support. 

I called Home point financial XX/XX/XXXX they got the escrow money but sat on it.I spoke to an agent and she stated she will escalate.Its over 40 days since I closed the home.I need Home point to overnight my refund am struggling to make ends meet and I did not expect this time frames. 

XXXX XXXX Home point Financial # XXXX Property Address XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: BANCO POPULAR DE PUERTO RICO
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I would like to file a complaint against XXXX XXXX XXXX. In early XXXX, I called to dispute charges that were made by my husband without my prior consent, as we were going through a separation. The charges were made at XXXX XXXX XXXX, XXXX and XXXX XXXX, and totaled {$4500.00}. I was given a provisional credit while an investigation took place. On XX/XX/2018, I was informed by the XXXX XXXX XXXX investigation team that since the charges were made by my husband, who was an authorized user at the time, it was considered " friendly fraud '', and that unless I was willing to file criminal charges, I would be responsible for the purchases. Since I did not want to press criminal charges against my husband, I was informed that the provisional credit would be reversed and that the charges would appear on my next billing cycle. I was informed by XXXX XXXX XXXX that the funds would be released to the merchants in 7 - 10 business days.

My husband continues to have accounts with the aforementioned merchants, who informed him that after I disputed the charges, the monies were taken taken away. When I was rebilled, the monies were never returned to the merchants. I have called XXXX XXXX XXXX numerous times, and each time, I was told that the merchants need to call their bank to have the funds released. I was also told to show the merchants a copy of my billing statement proving that I was rebilled. Despite this, the merchants still have not received the monies owed to them. I have repeatedly requested to speak with a supervisor from XXXX XXXX XXXX dispute department, and each time was denied, as I was told that there was no supervisor available to take the call. Each time, I requested for a supervisor to call me back on my cell phone, with the promise that a supervisor would return my call within 24-48 hours of my request. My last request was on XX/XX/XXXX, and I still have yet to receive a phone call. In addition, the merchants continue to tell me that they still have not received the monies owed to them. XXXX XXXX XXXX has been charging me interest on the rebilled charges since XX/XX/XXXX. In essence, I am paying twice for purchases originally made in late XXXX/early XXXX.

I request that either the monies are sent to the merchants or that the charges be credited back to my account. In addition, I request that the interest charges on these purchases during this time be refunded.

Company response to consumer: Closed with explanation