BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently reviewed my credit report for correctness. I found an unidentifiable account from XXXX XXXX  XXXX with a current balance that I have never used. In addition, there is an address to which I have never lived at. I have contacted the 3 major credit report agencies ( Equifax, XXXX, XXXX ). It has been more than 30 days and they have not responded with any solution or removal of the fraudulent account. I need your assistance in this matter to clear this fraudulent account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX 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 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit Bureaus continue to violate the fair credit reporting act : According to USC 1681 ( 5 ) the credit bureaus have to modify or delete account that are not reporting accurately.

According to 15 USC 1681b ( i ) the credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 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. 

Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting.

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 2022-10-06
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried multiple times to contact the Hud office as well as the county offices that are supposed to help with dealing with mortgage companies. I was not offered a fair partial claim as I was told by the FHA lady when I spoke to them about the issues of this company trying to take over my mortgage and stating I owed more than I owed my original lender. Also I was told I must pay the XXXX for the partial claim in XXXX. The mortgager states I am 659 days past due which is not true. I was in forbearance until XX/XX/2022. I was not offered the 25 % deduction, or offered for the partial claim to be added to end of my loan. They were trying to say it was for XXXX when I only ever had a mortgage for XXXX with XXXX XXXX. This all violates my rights via the American Rescue Plan and the Cares Act. They are violating my rights as an American citizen. I never was served any foreclosure documents, I was not signing a partial claim that violates my rights. I alerted the company in XX/XX/2022 via XXXX XXXX and the credit bureau that I had been accepted and eligible for the Home Owners Assistance Fund. I have paperwork stating different things and different information on each. I just want my mortgage to offer what I am supposed to be offered via American Rescue Plan. I do not have a phone to contact the company themselves. I have tried to reach them on the website but they have shut down that possibility as well stating I need to call them. They do not offer a way to email them. They are trying to violate my rights as well as steal my home from me. I was never offered what I was supposed to be offered. I did not have {$13000.00} because I paid {$17000.00} when buying my home. This amount was to be added to the end of my loan, as well as the numbers they have tried charging me were all incorrect. I was accepted by the HAF program and eligible but yet they do not want that to happen.

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 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: Experian Information Solutions 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number 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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, # XXXX  XXXX XXXXXXXX XXXX XXXX # XXXX XXXX Account XXXX # XXXX  Account XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2021-04-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Placed an online order on XX/XX/2021, canceled order same day. On XX/XX/2021 a charge appeared on my account for {$76.00} the amount of order I canceled on XX/XX/2021 so I filed a claim to have the funds returned to my account. Called the bank several times concerning claim ( Wells Fargo ) after I hung up on a claims worker suddenly the charge disappeared from my account and Wells Fargo never returned money owed me to my account. I have been receiving my bank statements online after today XX/XX/2021 I changed to paper statements. Someone at Wells Fargo changed information in my account today, that charge was on my account today until it was taken off after XXXX today, but my account was not credited the {$76.00}.

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 non-monetary relief
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 the account below, my rights were violated : XXXX  XXXX Bankruptcy # XXXX 15 U.S.C. 1681 Section 602 A States I have A right To Privacy 15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instruction

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 2018-05-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On or about XX/XX/2002 I tried to file a forbearance with then Sallie Mae ( Navient ). I had just had my XXXX child and had not found adequate work to pay my loans. The loans were near default when I called the provider. They promptly sent the paperwork out to complete and return. After doing so the provider let my loans default and when I heard from them again. They used pressure tactics to get me into a rehabilitation program which I signed on and then began to pay the payments to which I could not afford. I ended up having to sell my house and move which is when they were not able to find me and I let my loans slip into default again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 non-monetary relief
Consumer complaint received 2019-10-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in foreclosure on my mortgage. I applied to Rushmore for a modification of my loan on or about XX/XX/2019. On or about XX/XX/2019, the law firm representing the plaintiff provided my attorney with a trial modification offer. The offer requires a {$8400.00} down payment and a 6-month trial period with monthly installment payments of exactly {$2100.00} per month. On my instruction, my attorney reached out to plaintiff 's law firm to ask what the terms of the contemplated modification would be if I successfully complete the modification, and also asked if the down payment could be eliminated or reduced. The plaintiff 's law firm responded that the down payment " can not be eliminated or reduced '' and also that " the projected terms will not be available until completion of the trial modification. '' I find it inconceivable that Rushmore does not know the terms of the modification it would offer me if I complete the trial successfully. It knows what I owe now and what I will owe at the end of the six-month period if I meet all of the trial plan requirements by making the {$8400.00} down payment and the six {$2100.00} installment payments. I ask that Rushmore provide me with that information that they must know about the projected monthly PITI payments, modified principal balance, maturity date, and interest rate would be if the trial mod is successfully completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am submitting this complaint on my behalf because Equifax has failed to comply with requirements imposed under 15 US Code Subchapter III and Regulation V 12 CFR 1022 and is liable pursuant to 15 USC 1681n ( 1 ) ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
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 non-monetary relief
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( TRANSUNION, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. TRANSUNION, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, AND XXXX ACCOUNT # XXXX. FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, TRANSUNION, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.

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 2022-02-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be updated from my credit reports. They neither saw nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me correct the concerned items for they were found erroneous and inaccurate. 
XXXX XXXX XXXX Balance {$6500.00} XXXX XXXX  XXXX XXXX Balance {$700.00}

Company response to consumer: Closed with explanation