BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: PNC Bank N.A.
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: Account information incorrect

Complaint:
On XX/XX/2023 I pulled my credit report and noticed that a an auto loan was reporting on my credit report as inaccurate information. I tried to dispute the inaccurate information with all three bureaus first before reaching out to PNC BANK. All three credit bureaus responded back immediately and no chances was made to my credit report. I then sent a certified letter on XX/XX/2023 to PNC BANK requesting documentation of my repossession. They respond back on XX/XX/2023 with only collecting agency documents they have failed to comply with my request as I stated in my letter. That a violation of FCRA and under the law of the state of Illinois UCC code 810 ILCS 5/ and States RISA and MVISA statutes a deficiency can not be claim unless all of the required notices was properly and timely giving. I never received any documentation as requested if no such proof cant be provided please consider null and void, any continued collection activities continue reporting. I want this resolved immediately because theyre hurting and causing harm and mentally and physically anxiety. I cant buy a new vehicles due to the damage theyre causing me reporting inaccurate information on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.

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 2023-01-06
Company: EQUIFAX, INC.
State: NV
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:
CORPORATE ACCOUNT/ DO NO POST ON PERSONAL PROFILE. REMOVE IMMEDIATELY. NOT REPORTING ON OTHER BUREAUS billing discrepancy remove late mark. payments for a 6 dollar monthly fee were always on automatic and turned in. remove immediately 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 Accion New Mexico Equifax XXXX XXXX Last Updated XXXX/2022 Payment Status Worst Delinquency None Reported Balance {$32000.00} Credit Limit MORE DETAILS Equifax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following inquires were not approved and I do not recognize the 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

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 2023-01-06
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper/Nationstar bought our mortgage in early XXXX. Our account has been in escrow since XXXX. 
Previous lender was XXXX mortgage. We have not been able to get XXXX to take our calls. 
On XX/XX/XXXX, I went to make my mortgage payment online and learned my payment increased by {$780.00} monthly. Ive called the mortgage company several times and they continue to tell me my taxes have increased. 
On XX/XX/XXXX I submitted all tax records and a statement from our town indicating that our XXXX school taxes were not paid. This was an error on the mortgage company because again we are in escrow. 
Mr Cooper refuses to help us and is now destroying our credit. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Mid-South Adjustment Co., Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent validation letters to Mid South Adjustments asking for the original contract bearing my signature. I was told to send in my Drivers License so they can see if the signatures match. I refused because of Identity Theft and was afraid that they would just say that the signatures match. XXXX XXXX ended up sending the Contract. The signatures DOES NOT match. The dates does not match the lease. The lease states I moved in on the XXXX of XX/XX/2014 but Mid South Adjustments XXXX XXXX XXXX contract ) states on XXXX I submitted a new service application. so that means I would have went without water services for over a year. Also you will see in the Drivers License # section is blank. I would think that I would know my Drivers License number. Everything that Im stating will be highlighted in the attachments along with my filing of a FTC Report I ask for Mid South Adjustment to remove and delete this account from my credit profile. Immediately There are to many inaccuracies. PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: LA
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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions

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 2021-12-27
Company: Selene Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, we received a loan modification offer from XXXX XXXX XXXX which would be activated by our payment of {$780.00} on or before XX/XX/XXXX. On XX/XX/XXXX Selene Finance acquired our loan and I waited to make the first payment until the paperwork had been processed by Selene. I have attempted to contact Selene multiple times with either no response, or no response that addressed the issue of the loan modification offer from XXXX. When I was able to get through on the phone lines, I spoke with agents who were unable to assist me. On XX/XX/XXXX, XXXX ( agent XXXX ) told me I needed to send Selene a copy of the loan modification agreement so that we could get this resolved before the first payment due date of XX/XX/XXXX and to not make a payment to XXXX. I followed up the next week and was told the information had still not been entered into the system. After that, I asked to speak with a supervisor when I called, and I was told they did not have the information necessary to work with me. One agent referred to the Selene website as their website, so I am not even certain I was speaking with Selene agents. No agent acknowledged receipt of paperwork from XXXX regarding the loan modification or receipt of the paperwork I sent requesting the same from Selene. I never received any response from any of the emails I sent, which included the prior paperwork and a loan modification request to Selene, which I was told I needed to complete to pause foreclosure. 

At the time of loan transfer, the balance on the loan was {$120000.00} ( XXXX ). Selene stated the balance was {$130000.00}, a {$10000.00} increase. ( XXXX ) In addition, Selene charged late fees and a home inspection fee prior to even contacting us about the loan modification. While I understand this is a terribly busy time, whomever is following up on foreclosures seems to be right on track. We would like to note that the letter of foreclosure had a registered mail stub on the envelope that was in the mailbox although no one living in the home signed for it. This could be perceived as an attempt to falsify confirmation of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it XXXX concern, My name is XXXX XXXX XXXX, XXXX XXXX I have reviewed my Equifax credit report and noticed a few hard inquires that I did not ask for. This is a written request for the following hard inquires to be removed. I have called Equifax and the creditors and was given the run around about this situation. If not resolved in XXXX days I will have to contact the Consumer Financial Protection Bureau once again. If you have any questions or concerns, feel free to contact me at XXXX or email at XXXX Thank you, XXXX XXXX XXXX Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have incorrect information on my credit report. I have 2 derogatory late payments incorrectly reporting on my account. The 1st late payment is from XX/XX/2022. The 2nd late payment is from XX/XX/2022. I need these late payments removed immediately as they are incorrect. I have sent in dispute letters and tried contacting XXXX experian, and XXXX by phone and have received 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 explanation
Consumer complaint received 2022-12-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
MY IDENTITY HAS BEEN STOLEN. THESE ACCOUNTS ON MY PROFILE ARE FRAUDULENT. THEY ARE CAUSING MY FAMILY A LOT OF UNNECESSARY HARDSHIPS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.

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 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hello, I'm XXXX XXXX. I plan on getting married soon and my beautiful fiance ' pull my credit report. And to my unpleasant surprise, there are accounts/collection/inquiries listed on my reports that i have not a clue about. Please assist me in removing these items from my report as they are results of identity theft. 
Best Regards.

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 2023-09-15
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I am trying to get forgiveness my loans are well over XXXX XXXX XXXX. I filed bankruptcy because the balances were so high and was told to consolidate and apply for XXXX which I did before XXXX. Payment amount was still more than I could afford than and even more now.. I spoke to the new servicer in XXXX and was told I would be able to make monthly payment of around $ XXXX and would received information in the mail regarding this. For past few months I have tried to log on the site and was unable to due system changes/upgrades. On Friday of last week I received a email stating that my loans would resume and the monthly payment amount would be $ XXXX. Of course I can not afford that amount. The following day ( Saturday ) I received 2 additional emails stating that I was past due and that payments of two different amounts was past due as of XX/XX/XXXX. Monday morning first thing I called and received a recording that the wait times were extremely long ( XXXX XXXX XXXX ). I left information for a callback 2 days later I received a callback but was quickly disconnect. So I called again and same message wait time ( XXXX + hours ) Left information for a callback and as of today have not received a call.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-15
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Per DOE guidelines, interest was not supposed to capitalize for XXXX months after the payment freeze ended. I graduated during the payment freeze and was never out of forbearance. My interest capitalized on all loans and is currently accruing additional interest. I requested information about this from EdFinancial via email and did not receive a response. I contacted them several times via phone and was told I would receive a callback, then never did. I have so far been unable to reach the company for an explanation of why I'm being charged interest on a balance that should not include accrued interest yet.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: VA
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'm composing this complaint to EXPERIAN Department. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported.

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

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 2023-06-17
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: Account information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX Account #, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
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:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any SBA LOANS.

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 2023-09-07
Company: Northwest Collectors Inc.
State: IL
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 are unauthorized inquiries on my credit report from the following companies that i would like removed. information as follows cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to report unauthorized inquiries and credit accounts that have appeared on my credit report. I have noticed these entries on my credit report and have reason to believe that they were not authorized by me. 

I request that the CFPB take immediate action to remove these unauthorized inquiries and credit accounts from my credit report as soon as possible. These unauthorized entries are damaging my credit score and causing me undue stress and worry. 

I would appreciate your prompt attention to this matter and your assistance in resolving this issue. Please let me know what further steps I need to take to ensure that this matter is resolved. 

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 non-monetary relief
Consumer complaint received 2021-12-27
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.

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 2021-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/XXXX my ex ran my name and social security info to see if I could put a car in my name or cosign. He did so without my permission.

Company response to consumer: Closed with explanation