BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MI XX/XX/XXXX XXXX Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, On XXXX/XXXX/XXXX, I wrote to you requesting an investigation into items that I believed were INNACCURATE, DAMAGING TO MY CHARACTER, and also fraudulent. To date, I have not received results of the requested re-investigation. In my previous request, I listed my reasons for disputing the information. Those reasons included making sure that the information being furnished was accurate. Neither credit reporting agency has been able to prove accuracy and completeness of their reporting on my personal credit reports. 

Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX, XXXX Account number : XXXX Account name : XXXX XXXX XXXX  L Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX  Account XXXX : XXXX Account name : XXXX XXXX Account number : XXXX All the listed accounts are in violation of my consumer rights with regards to my consumers right to privacy. This harmful public information is placing my life and the lives of my family in danger. Please remove these negative, harmful and fraudulent accounts from my report. I just want to live free as God intended.

Violations so far- 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I also understand that you are required to notify me of your results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, 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 2022-11-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-07-27
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 has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00}

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 2021-04-12
Company: EQUIFAX, INC.
State: GA
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 checked my Equifax report and seen this account all reported by Equifax the same day, I believe that equifax made a mistake reporting. This is not my account. Speaking to the original creditor, no knowledge of who this was. I did file a XX/XX/XXXXwith the FTC reference # XXXX Collection Agency XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$350.00} Amount {$350.00} Status Date XX/XX/XXXXXXXX StatusXX/XX/XXXX Date XX/XX/XXXXXXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX XXXX XXXX XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: MD
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:
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 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 2022-09-19
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:
This is Disappointing! The Credit Reporting Agencies have been ignoring my requests for the deletion of the disputed fraudulent accounts and information being reported on my Credit File. The Credit Reporting Agencies are required to verify and delete the disputed accounts and information that was opened due to identity theft under the Fair Credit Reporting Act section 605b. I personally contacted the Data Furnishers and inquired regarding the disputed accounts and information, they were responding to me proving that the Disputed accounts and information were erroneous in some way. Yet you are reporting the disputed items as verified and authentic! This action is a clear violation of the Fair Credit Reporting Act section 605b and is punishable by law. I am submitting this CFPB Complaint to urge you to comply with the Federal law and have the disputed accounts and information deleted from my Credit File before I am forced to take legal actions. Once again, I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. The Credit Bureaus claimed that the disputed accounts and information belong under my name and was verified and yet they have failed to send me copies of proof of verification and or ay documents bearing my signature. The Data Furnishers themselves verified that the disputed accounts and information were erroneous. I need the disputed accounts and information completely removed from my Credit File as soon as possible.

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 2022-09-19
Company: Experian Information Solutions Inc.
State: DE
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 would like to state that Experian is in violation of 15 - USC- 1681 b ( a ) 2 which states a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I the consumer never gave Experian any written consent to report anything on my consumer report. I told them to remove these inaccuracies off my consumer report. They are hurting my consumer report keeping me from extending my credit. if not removed i will not extend my credit to anyone or allow Experian to furnish a report for me. Persuit to 15 - USC - 1681 ( A ) 1 states that the banking system is dependent upon fair and accurate consumer reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX INQUIRES

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 2021-05-12
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is against my mortgage company, XXXX XXXX, based out of Virginia XXXX, in Virginia. XXXX XXXX. XXXX  XXXX, Virginia XXXX, VA XXXX ) I have tried to have my PMI removed from my account, since my original loan value was under {$130000.00} and now my home is appraised at above {$180000.00} and is much lower than the 50 % Loan to Value that mortgage companies require, in order to drop this mortgage insurance. I applied to have a refinance with XXXX XXXX in XXXX of XXXX and therefore paid under {$500.00} for an appraisal. That is how I know my PMI should be dropped because of the amount the appraisal came in at. I have attempted contact with XXXX XXXX to review that appraisal since XXXX which would put the appraisal still under the 4 month rule of it being active and current. However all I get is the run around, even when I have been transferred to PMI supervisors. They tell me that they will review my appraisal and if the LTV is lower than 50 % to the total amount owed, they will retroactively credit the PMI to my account. However, all I receive from them after a month and a half of waiting for a reply each time is a generic, auto generated letter from Loancare, which is their servicing company, stating what the process is for cancellation of PMI. There is absolutely no mention of the appraisal they have been emailed multiple times, which each PMI supervisor could see on my records and acknowledged the receival of. I want my PMI dropped and I want my account to be retroactively credit the {$99.00} they charge me monthly, since my initial request to them in XXXX of XXXX. 
Here is the log of my contact with them. 
Week of XX/XX/XXXX, initial PMI request on the phone. 
XX/XX/XXXX emailed and tried to follow up with my request and attached the appraisal in email. 
XX/XX/XXXX emailed to follow up again. 
XX/XX/XXXX emailed to follow up again. 
XX/XX/XXXX called to follow up, spoke to XXXX, she said the review process would take till XX/XX/XXXX and I would receive correspondence in 10 days. I did receive yet another one of those auto generated PMI letters. 
XX/XX/XXXX spoke to XXXX, asked to be transferred to a PMI supervisor, XXXX, then XXXX. 
XX/XX/XXXX emailed appraisal to XXXX. 
XX/XX/XXXX spoke to XXXX in the customer service center, asked to be transferred to a PMI supervisor, got hung up on after 40 minutes of being on hold. 
XXXX spoke to XXXX, then transferred to XXXX. She stated that she is able to see my appraisal, that someone from the PMI supervisor team would review it and would retroactively credit my account, once they confirm the new appraised worth of my home. 
Week of XX/XX/XXXX received yet another of the auto generated PMI letters, which I now have about five of. 

Thank you.

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 2023-09-28
Company: EQUIFAX, INC.
State: FL
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:
CAN YOU PLEASE PROVIDE DOCUMENTATION HOW YOU VERIFIED THESE ACCOUNTS ALSO WHO FROM YOUR COMPANY THAT CALLED TO VERIFY ALSO WHAT INDIVIDUAL FROM THE FOLLOWING COMPANY WHO YOUR EMPLOYEE SPOKE WITH TO VERIFY THESE ACCOUNTS PLEASE PROVIDE NAMES OF YOUR EMPLOYEE AND WHO THEY SPOKE ALSO THEIR TITLES WITH SAID COMPANIES BECAUSE I NEVER RECEIVED ANY HARD DOCUMENTATION PROVING YOU VERIFIED THESE ACCOUNTS YOU ARE VIOLATING FAIR CREDIT ACT AND FEDERAL LAWS SO PLEASE SEND DOCUMENTATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Due to COVID-19, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I tried contacting the Experian credit bureau and told them that the bank agreed to not report the late payment account. I believe Experian is violating FCRA Sections 611 and Cares Act. Below are the accounts with erroneous information and Id like to be remedied ASAP. XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$4300.00}

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 2018-11-06
Company: EQUIFAX, INC.
State: OR
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 have been out of the USA for the past 5 years and during this period my SSN has been used to apply for his/her loan. ( I have clear evidence that I have not been out of the country- I am still abroad ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX Student loans Total balance : {$16000.00} DEPT OF EDUCATION/XXXX XXXXXXXX {$9000.00} Balance updated XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX {$7800.00} Balance updated XX/XX/XXXX XXXX Total balance : {$490.00} XXXX XXXX XXXXXXXX Original creditor XXXXXXXX XXXX Balance {$490.00} Balance updated XXXX XXXX XXXX  Credit cards or credit lines Total balance : {$0.00} XXXX XXXX XXXX {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$3300.00} Balance updated XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020 Equifax received a letter from me disputing a XXXX XXXX XXXX collections account listed on my credit report. I had previously submitted disputes to Equifax regarding this account in which they responded with this account as " verified ''. I followed up on this account and disputed it via mail directly with the collections agency however I did not receive a response and noticed that the address the collections agency has listed on my credit is inaccurate. According to the FCRA all information reporting on my credit reports must be accurate, verifiable and report timely. 

In my dispute that Equifax received on XX/XX/2020 I disputed the collections account again and cited the collections agency incorrect address information reporting on my credit report as well as the fact that I sent a debt validation request for this account to the collections agency directly and did not receive a response at all from them- which is illegal under the FCRA. Along with my dispute to Equifax, I attached 2 copies of my Identification which verified my personal information and address, 1 copy of the usps tracking information which showed that the address they are reporting on my credit report is incorrect and a copy of my credit report with the collections agency information that is reporting. 

On XX/XX/XXXX, I received a stall letter from Equifax saying that they were unable to locate my credit file and requesting additional forms of identification. This tactic is not appropriate at all, stalling affords Equifax additional time to investigate my dispute which is unfair to me. I submitted all documents including my ID with my dispute, Equifax is in clear violation of the FCRA. Equifax has not used reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further which is adversely impacting my credit history, credit score and ability to obtain further credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I lived in my home for 16 years. I got a divorce and the court ordered the home to be sold and the equity to be split. We had about 300K in equity we only owed XXXX on the home. My ex wife camped out in the house ( I was living in my car waiting for her to sell the house because she got a restraining order against me ) She stayed in the house for over a year and never made a single payment on the house. The bank finally foreclosed on the house. I was in constant contact with the bank and even offered to pay the balance off as soon as they can get her out. Well that ruined my credit like she wanted. I have always prided myself on my good credit and have taught my children the importance of good credit. Now that I have somewhat fixed my credit the derogatory from the bank is keeping me from moving on and getting a new home. I would ask the bank to please look back at all the notes to see that this was not my fault and please show some compassion and remove it from my credit so I can move on. It is scheduled to stay on my report till XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have my mortgage with PNC bank. According to the Cares act states that upon request by a borrower for forbearance it shall be granted for up to 180 days and shall be extended another 180 days at request, of borrower. I talked to at least 7 different people at pnc today was transferred around to early intervention to customer counseling back to early intervention. They keep telling me they will only do 90 days at a time which is not what the care act says. I also told them I want the missed payments added to the end of my loan and they said that has to be reviewed after 90 days. My understanding of the law is that it it is not required to be paid back in a lump sum however PNC wont guarantee that. If I cant afford my mortgage now how am I gong to come up with months worth in one lump sum-that doesnt help anyone. I would like what I believe I am entitled to by law which is 180 day forebearance with option to extend another 180 days. I would like Any months not paid added to the end of my loan. I understand there may be some interest at that time and I am ok with that as long as terms are given to me in writing? I am hoping you can assist as I now in extreme hardship waiting on the government to come to an agreement on unemployment extensions and stimulus. I would be very grateful for any assistance you can provide as I am getting frustrated and scared on what is going to happen if I cant get this done.

Company response to consumer: Closed with explanation