BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-01
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been approved and found a house. Loan depot, the company I am working with, sent the appraiser over to the home. We already knew that the retaining wall outside the home might not pass appraisal. My loan officer said as long as it's not dangerous to the home it will pass. I paid {$470.00} for the appraisal. It did not pass. So when asked what can be done, as we ourselves were willing to help repair it, my loan officer said if we knock the wall down it will pass inspection. We have emails of this conversation. We did as she said and after the wall was knocked down she said that no, it should not have been knocked down, she was mistaken. She was ready to send another appraiser over, that I had to pay for, knowing it would not pass again. Thanks to my real estate agent, this did not happen. Now if I want the home I have to pay over {$1500.00} to rebuild the wall. I have spoken to the branch manager and the loan officer, the both admit to her mistake but say " there is nothing we can do, it's a mistake '' they wont own up to it financially. They have given me false information that is costing me and is prolonging the sale of this home. All I wanted was from them is to help pay for the wall which didnt need to come down down only repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: PNC Bank N.A.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My recent experience with PNC : I've had this credit card with them since XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), have multiple accounts with them and a lot of money in and out of there - business and personal accounts, checking, personal loan, etc. 

They cancelled it without warning - I only found out because it was declined at a store. I had a {$1000.00} limit on the card and a balance of {$0.00}. The credit report indicates it was closed XXXX XXXX XXXX. I called yesterday and was told they couldn't tell me why it was cancelled but it was likely due to inactivity. I last used and paid off the balance in XX/XX/XXXX and have not used it since. It's currently XX/XX/XXXX and I haven't received a letter. I've made multiple calls, my complaint was sent to escalation ( with a 24-48 call-back guaranteed ) on XX/XX/XXXX and was called back within hours saying they would not reopen the account. 

There is no record of a document being provided to me in my account history and now I have no access to past statements to verify their records are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I moved and as a result had to change my internet providers. I was paying on my balance of XXXX every XXXX weeks through the XXXX XXXX. I paid off my last {$100.00} balance on or around the XXXXXXXX XXXX XXXXXXXX. On or about the XXXXXXXX XXXX XXXXXXXX I am notified that a collection account for this provider was added to my credit report. I disputed it with XXXX of the credit bureaus and neither of them removed this information even though it is incorrect. The only thing that was done was update the status to paid but the information was incorrect from the beginning so how was XXXX allowed to put this on my credit report in the first place? It never should have been sent to collections if I was making good faith payments and it certainly shouldnt have been placed on my report AFTER the debt was paid in full!

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 2023-06-16
Company: M. G. Credit, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MG CREDIT CORP is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$690.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name : XXXX Account Date : XX/XX/2023 According to 15 U.S Code 1692c, 1692c ( a ) ( 1 ), 1692c ( c ), 1692e ( 8 ), ( 10 ) and1692f ( 1 ), a company by law is not to report information on a consumers credit report unless instructed or written permission was provided by the consumer to that company. XXXX illegally bought my information from a person and/or company without my knowledge or permission. This is a result of identity theft and as well as false representation on my credit report. You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your 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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention significant errors in my credit report, which I believe have resulted from the Bureau 's failure to adhere to proper procedures and maintain accurate information, as required by 1681 ( a ) ( i ) ( A ) of the Fair Credit Reporting Act ( FCRA ). I am a resident of New York and covered under the FCRA and New York XXXX XXXX XXXX ( NY XXXX ) as a consumer. The errors in question have persisted before, during, and after the dispute process, constituting violations of state law, FCRA, and NY XXXX. I kindly request a thorough reinvestigation into the following discrepancies : Violation # XXXX : Notice to Delete Account Immediately XXXXXXXX XXXX XXXX XXXXXXXX : Incomplete Reporting : The account opened in XX/XX/XXXX, but there is no information reported until XX/XX/XXXX. The frequency of payments due is unknown this constitutes illegal incomplete reporting. Missing Information : Data of last activity, first delinquency ( stated as XX/XX/XXXX ), and terms frequency are absent. this constitutes illegal incomplete reporting. Incorrect Account Status : Despite being listed as a collection account ( status C ), there is no corresponding entry under the collections section. Creditor Classification : The type of business for XXXX is marked as unknown, which should be corrected. this constitutes illegal inaccurate reporting. Date Closed : The entry for the date closed is missing, and it should, at the very least, reflect the date the account was paid. Incomplete Account History : The actual payments made do not reflect accurately, with high credit showing {$0.00} and an incomplete amount past due in XXXX of XXXX entries. These discrepancies not only violate the FCRA but also indicate a failure to maintain reasonable procedures to ensure the maximum possible accuracy of my credit information, as required by 15 U.S.C. 1681e ( b ). I urge the Consumer Financial Protection Bureau to address these issues promptly and thoroughly. It is imperative that inaccurate and unverifiable information be either corrected or deleted from my credit report, in accordance with federal and state laws. This account is reporting illegally and needs to be deleted.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: NY
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:
Complaint XXXX The inquiries below were made without my permission or knowledge, and I believe they are negatively impacting my credit score. 

This is the list of the inquiries that I am disputing : Inquiry by XXXX XXXX on XX/XX/2023 - XXXX Inquiry by XXXX XXXX on XXXX XXXX- XXXX I have made XXXX attempts to contact the companies responsible for these inquiries, but they have been unresponsive and have not provided me with any information about why they made the inquiries or whether they have any legitimate reason for doing so. 

I have also tried to dispute these inquiries with the credit reporting agencies, but they have not been able to provide me with a satisfactory explanation for why these inquiries remain on my credit report. 

I believe that these inquiries are unjustified and have no legitimate reason for being on my credit report. They have caused me significant stress and financial hardship, as they have affected my ability to obtain credit and have lowered my credit score. 

I am therefore requesting that the CFPB investigate this matter and take action to remove these inquiries from my credit report. I believe that this action is necessary to protect my rights and ensure that my credit report accurately reflects my creditworthiness.

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
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 XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a 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 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 2023-05-13
Company: DISCOVER BANK
State: MD
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 writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 2022-09-07
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My car was totaled in a car accident recently. I wasnt working at the time and so therefore I could not pay for the insurance deductible. The car was deemed a loss. The loan company repossessed the car since I could not continue paying the monthly note with {$20000.00} left to pay it off. The loan company then sold the vehicle for {$5000.00}, making me cover {$16000.00} for the remaining balance Im currently still unemployed and can not make this payments which is daunting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 2023-07-02
Company: Experian Information Solutions Inc.
State: WA
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 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, 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 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 2020-01-24
Company: CITIBANK, N.A.
State: CA
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:
A vehicle was rented at XXXX XXXX on XX/XX/2019. 
I used Citi Visa credit card. 
Instead of apx. {$24.00}, a charge of {$420.00} was made on my card claiming damage to vehicle. I disputed the charge with Citi cards but after cursory communication with XXXX/XXXX where they produced fabricated repair bill, closed my dispute and re-charged me for {$420.00}. 
Citi cards are not willing to argue with the fraud but rather charge me.

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 2020-01-25
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 AM NOT LIABLE TO THE ACCOUNT BEING DISPUTED. THE ACCOUNT HAS BEEN REPORTING LATE PAYMENTS WITHOUT MY KNOWLEDGE AND I HAVE NO IDEA HOW AND WHEN THIS ACCOUNT STARTED REPORTING NEGATIVELY ON MY CREDIT REPORT. PLEASE HAVE THIS DEROGATORY MARK PERMANENTLY OFF MY CREDIT REPORT FOR IT HAS BEEN DAMAGING MY CREDIT SCORE.

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