BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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: Investigation took more than 30 days

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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX XXXX took money from my Bank of America debit account on XX/XX/XXXX for a hotel stay booked for XX/XX/XXXX. XXXX XXXX XXXX went out of business on XX/XX/XXXX and I can not recoup funds from either company. I was not notified that XXXX XXXX XXXX was closed, therefore I did not file a complaint until XX/XX/XXXX, when I returned from vacation. Bank of America stated my complaint was outside the time frame for them to issue a refund although I have told them I found out about XXXX XXXX XXXX closing on the day I started my vacation. Why would I file a complaint when I had ( at that time ) no reason to complain?

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 2023-04-17
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: Account information incorrect

Complaint:
I wrote 3 times to TransUnion to correct my credit report with is stating than I missed payments with XXXX XXXX XXXX. On XX/XX/2023 XXXX XXXX XXXX XXXX TransUnion to remove the late payments in my credit report as they were informed by XXXX in error. As of XX/XX/2023 TransUnion still did not correct the mistake, being the only XXXX XXXX to not do that. Besides they say that in XXXX they mail me a letter informing of their review on my request. I have never received anything from them. So besides showing total incompetence TransUnion is a liar.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2023 I sent a letter to the XXXX consumer reporting agencies ( Experian, XXXX, XXXX ) to remove the bankruptcy that is on my credit report because it is reporting inaccurate information. 

They responded my saying it is verified. 

XXXX said it was verified through XXXX XXXX. 

As a CONSUMER I have the RIGHT to privacy. 

15 USC 1681-CONGRESSIONAL FINDINGS XXXX a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681b- Permissible Purpose of Consumer Reports I did not give them any instruction in writing to furnish this information. So if I didnt give any written instruction, why did they put this on my credit report.

15 USC 1681c ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 

Also if Experian, XXXX, XXXX, XXXX XXXX have the reference/case number wrong. I have the right to 100 % accuracy reporting. 

Case number : XXXX Experian : 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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
These XXXX Inquiries don't belong to me, hasn't being authorized by me and has to be removed. 

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 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 2022-07-07
Company: Experian Information Solutions 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 federal credit act 15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

The following has violated my rights : XXXX XXXX XXXX XXXX XXXXXXXX servicing ( which is showing a few account ) Dept Of Ed / XXXX ( Which is showing multiple account ) XXXX  ( which is showing multiple accounts ) U S Depatment of ED ( which is showing a few accounts )

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 2020-06-19
Company: Credit Control, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a letter on XX/XX/XXXX asking Credit Control LLC who is handling the account for XXXX  " Please can you verify these accounts for me so I can know if they are even legitimately mine? Can you send verification of my original paper work with my signature on the following accounts? '' I received no response. They continue not to respond to my letter. Also, I want the following open accounts removed from my credit report put there by XXXX XXXX XXXX : XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX I am on XXXX as of XX/XX/2019 and my income is also considered " Collection Proof ''.

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 2022-03-03
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ACEI has falsely reported debt that I do not owe to the three major CRAs as recently as late XXXX, although all of this debt was paid to the original creditor on or before XX/XX/XXXX and the original creditor notified ACEI. I am including supporting documentation from the original creditor showing that the debt that ACEI claims I owe was paid. I have called ACEI several times to ask for resolution of this issue and also to get knowledge of an anticipated timeframe for removing this false information from my credit reports with all the major CRAs. ACEI has been completely unwilling to provide any information on the following : 1. Providing accurate updated information on the resolution of the debt 2. Report the debt as resolved to the CRAs 3. Provide me with accurate validation of the debt

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 2023-05-06
Company: Experian Information Solutions Inc.
State: CO
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2022-10-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was in forbearance during COVID and the lender ( Rushmore ) was not cooperative as I tried to resume monthly payments. CFPB helped me get Rushmore to offer loan modification documents so that I could make regular monthly payments rather than pay the money due from forbearance all at once. 


I signed the modification documents digitally and had them notarized and returned them in XXXX ( see attached ). I sent the first payment ( XX/XX/XXXX ), which Rushmore accepted. In XXXX then received paperwork indicating that I had not returned the loan modification documents, so I emailed. I did not initially hear back but eventually they stated ( see attached email ) : " We have completed our review and it appears that we received the XXXX XXXX documents, however it appears that the documents do not have a wet-ink signature and HUD will not accept these documents. Unfortunately we were not able to complete the loan modification. Your loan is also scheduled to be serviced released by XX/XX/XXXX to XXXX XXXX, XXXX. '' However, the loan modification documents say : " XXXX. Governing Law ; Severability. This XXXX XXXX shall be governed by Federal law and the law of the jurisdiction in which the Property is located. '' The property is in Virginia. Virginia law allows for digital signatures, see : https : XXXX Accordingly, I do not believe Rushmore had any grounds on which to not process my loan modification docs. The plain language of the document does not say anything about signatures. It does specify that Virginia law applies and Virginia law allows digital signatures and e-notaries. 

I just want to resume my monthly payments and they are making this as difficult as possible. I have done everything they asked and they just don't seem to hold up their end of things. I believe I complied with the loan modification docs and that it's a binding agreement now that I have accepted the offer and that they can not unilaterally fail to process it. I am worried I will lose my house. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-03-16
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is an entry on my XXXX credit report detailing a collection account for Receivables Management Systems. The Original Creditor is XXXX XXXX and dated XX/XX/2016. This account has been paid in full to the Original Creditor. I have requested both XXXX  and Receivables Management Systems remove the entry, per the Fair Credit Reporting Act. I have provided both with proof to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
I lost my XXXX credit card and missed a payment in XXXX. It was reported to the credit reports buereas. After that I made all the payments fully made the account to XXXX and never used the credit card since XX/XX/. 

After that I have seen a small amount about XXXX dollar l on the credit with late payment notice reported to credit bureau in XXXX again even though I never used the credit card. I called the XXXX customers service they said it was mistake and help it fixed. 

Yet again in XXXX this year it happened again which was XXXX dollar and started increasing to XXXX and then XXXX $ by month of XXXX I called them again today and they said they were going to fix it. 
This closed by XXXX points on my credit card. 
I am trying to get a loan for my car and it's now impossible to even get approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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 2023-05-16
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:
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, 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.

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 2023-08-18
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Three fraudulent actions occurred on my account XX/XX/2023. I contacted the fraud division at PNC. They started an investigation. I also went to my branch bank and spoke with the manager. We decided to put a hold on the account to prevent further fraud attempts. The next day I noticed a hold on another account as well. I have three. But they said the holds are now being placed by someone with greater power and they can't release it. I can not access my money. On XXXX XXXX I received letters stating the investigation was over and my money was restored. So why are the two accounts frozen and I can't do anything, and the branch manager can't either. The bank has called whoever they are suppose to call several times, but they will not respond. My social security check was deposited and they won't let me have it. I almost got my life insurance policy cancelled because automatic withdrawal did not work. PNC is punishing us for someone else 's crime.

Company response to consumer: Closed with explanation