BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is my XXXX Complaint about the negligence of the XXXX Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of the accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$590.00}.

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 2023-02-02
Company: Kikoff Inc.
State: OH
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 have a screen shot of my account before I closed it just recently showing I was not past due and yet on my report it says I'm past due and hasn't been updated since XXXX XXXX. I disputed 2 or 3 times and kickoff keeps telling them its up to date when it is not up to date and I also have proof. And I want it off my credit report now. Please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
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: Information belongs to someone else

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for the violation of my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). Despite providing TransUnion with all necessary documentation, including the FTC identity theft affidavit, Police report, proof of identification, and proof of residency, TransUnion has failed to comply with the statutory mandate to block fraudulent information from my credit report within the stipulated timeline. 

Once again, I am attaching all of the required documentation to this dispute to show that TransUnion has everything they need, as per the law, to block these fraudulent accounts. 

The specific issues I am facing involve the presence of multiple fraudulent accounts that are causing significant distress and financial disruption. Despite my status as a victim of identity theft and having reported the incident to both the Federal Trade Commission ( FTC ) and the XXXX Police Department, TransUnion has not taken the necessary steps to block these accounts from my credit report. 

Furthermore, I have requested TransUnion to block all addresses not belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from my credit report. I have also requested the removal of all aliases not limited to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and the elimination of employment information not associated with XXXX XXXX. TransUnion 's failure to adhere to these directives exacerbates the inaccuracies and financial impact caused by the identity theft. 

I have previously communicated these concerns directly to TransUnion, as detailed in the attached correspondence. Despite these efforts, the issue remains unresolved. 

I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that TransUnion complies with the law and takes immediate action to rectify these issues by blocking the fraudulent accounts, removing unauthorized addresses and aliases, and eliminating incorrect employment information from my credit report. 

I appreciate your prompt attention to this matter and request assistance in resolving this issue in accordance with the FCRA and consumer protection laws. 

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 intrested in disputing all incorrect information on my credit report with transunion.

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 2023-08-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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:
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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to COVID Pandemic I applied for a forbearance to assist through the difficult time period off the shutdown and loss of a loved ones, Planet Home Lending , LLC. ( PHL ) was very helpful during this difficult moment, lead me to believe the help was to review the account and continued to verify my hardship with assistance from Texas Homeowner Assistance Fund program, and the Veterans Affairs Loans Servicing Department. 

To my dismay, PHL agents contacted me and asked me to contact TX Homeowner Assistance Fund ( STATE ) program for the assistance to help with the payments that accumulated over the time of the forbearance, as well as contact the VA loan technician assigned to my mortgage because PHL wasn't able to get any response to move forward with the partial claim being processed. 

Upon the initial contact with the technician there was delays due to high volume of cases during the pandemic and the VA had been back logged for a longtime, per my conversation with the agents at TX HAF ( STATE ) program they were having a difficult time getting the necessary information needed to continue the process to assist and aide me through my time of need, and would email me asking for updated information PHL had failed to produce/provide to move forward with the process and the approval forward. 

I received a call XX/XX/XXXX from PHL stating that they received a lump sum pending on my account and I didn't have to make payments for few months or to the beginning of the new year, when asked was the payment sent from TX HAF program the agent wasn't able to identify all the pertinent information at that time... could only verify payment pending, I later found out that the payment came from TX HAF not VA per Loan Tech XXXX XXXX XXXX, stated that the VA doesn't send monies to the mortgage company ( XXXX ). 

This caused major concerns/ problems because PHL appeared to be waiting in the shadows for whichever opportunity that best suited their agenda leaving me having to get ready more difficult days ahead due to PHL issuing a statement of them returning the amount {$24000.00} that went from pending XX/XX/XXXX to posted XX/XX/XXXX, but the overall disappointment from PHL is the fact they've stated that the information given at the time was misinterpreted/misinformation delivery and then proceeded to apologize for the mix up, stating that the actual order of their process was the partial claim that became the initial payment accepted from the VA for the previous forbearance that was on file dated XX/XX/XXXX. 

PHL stated that the funds from TX HAF program would have to be returned to the State, regrettably that has not been case, nor has there been any returned or received funds per the TX HAF ( STATE ). 

Truly... Respectfully, Best regards to this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Huntington offers a 24 hour grace to customers. Apparently, I am not privileged enough to receive 24 hour grace on my checking account like other Huntington customers. Huntington has stopped honoring the 24 hour grace that is allowed to other Huntington customers. I went to Huntington bank to ask why features offered on my account are no longer available. I was told they can not tell me why and they dont know why they are declining my transactions. I asked who they were and they said Huntington Bank. I asked if thats who I was talking to and the customer service rep did confirm that they and the person I was speaking with are part of the same group of they. I would apparently be accurate in stating that they are indeed Huntington Bank. So, Huntington Bank can not tell me why they are no longer honoring the 24 hour grace that other customers have on their accounts. I would like to know what criteria Huntington Bank uses to determine who they deny this feature to whenever they feel like it. When I went to the bank, the doors were locked and only allowing customers through drive through. When I call, I cant speak with a representative for 2 days. I have to schedule a phone call two days in advance. Huntington is also not posting deposits and holding on to them for someone elses benefit. I want to know if Huntington uses racial demographics to determine who and who isnt allowed to use the 24 hour grace feature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-11
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights and 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 XXXXt XXXX 15 U.S.C 1681c. section 602 A. States I have the right to privacy.

15 U.S.C 168 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 ) 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 2021-10-18
Company: EQUIFAX, INC.
State: OH
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 my second time disputing the late payments for account XXXX XXXX XXXX # XXXX from XXXX-XX/XX/XXXX. I had some issues with my income being affected by theCOVID-19 PANDEMIC SHUTDOWN. I have a legal right to dispute anything that is on my credit report. I am not an ATTORNEY OR THIRD-PARTY REP. I am requesting some accommodations so I care to protect the integrity of my credit file. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/XXXX of 2023, I mailed a letter to XXXX, Experian, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with PHH Mortgage on a loan modification since XXXX. My loan had matured in XXXX I did not realize it. PHH took my money for 4 more months and then said I owed them the balloon and I could not refi with them. I have been working on the modification for a month now and every time I get a call from them they tell me I need more documents, or different documents, this is all after they sent me a letter saying that my application was complete and ready to go. My customer representative told me I was ready to go and a decision would be made this week, but then, suddenly, my package was incomplete and I needed to supply new documents, which would reset my 30 day clock, which they have to operate in, back to very. They have ruined my credit with this and now are forcing me into a loan with their company, at what interest rate I do not know. I can only imagine they are going to stick me with a rate higher than normal because I have no choice but to take their loan now. I can not get a loan anywhere else and they are the only option, so whatever they offer, I will have to take. 

PHH is the worst company ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
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: Investigation took more than 30 days

Complaint:
I have been disputing the inaccurate information reporting in my credit reports for the better part of the last 2 years. Over the last 2 years I have yet to receive one letter from XXXX, XXXX, or transunion about the results. According to the FCRA, the credit bureaus are obligated to respond to all of my dispute requests but, they have been ignoring me!!!! This is a violation of the law. I want the credit bureaus fined for this fraud and the removal of the incorrect information from my credit reports!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I been out of Bankruptcy for a year. My mortgage payments with Rushmore are not getting reporting to the credit bureaus for a year now, how and can this be fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX. Sued me for a past debt they purchased from XXXX XXXX. Before the suit I received a letter to dispute the debt. I did wright a letter but never heard back from them. I defaulted on the suit and called MIDLAND and agreed to a lump sum pay off and requested a letter I paid it off. I received a letter saying they agreed to accept the lump sum on or before the date the letter was written, I paid the amount they asked and never received anything after this. Seven months latter they sued me again for the same account I paid them off for this time a larger sum of money. I called them and they said if I paid it already to disregard the summons to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: IL
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:
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. 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 XXXX. 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 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 three negative credit items outstanding debt now. 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 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2019-05-01
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Shellpoint Mortgage for over a month attempting to remove my taxes and insurance from my monthly payment. They have responded with nothing to do with removing my taxes and insurance from my monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation