BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-01
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it once again. It is not permissible to fail to validate this reporting account as unverified information without providing proof. My credit report includes the following erroneous account that needs to be investigated and corrected : XXXX XXXX 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 explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 written letters as well as sent copies of report to bureaus with police report and explaining my finding out there were issues on my credit because of identity theft. The bureau have NOT furnished Any proof of verifiable evidence that these accounts/inquiries/info is mine via signatures, contracts or a person named that can testify in court that the person authorizing these items was me. The consumer credit laws states that due to lack of these verifications- Information, accounts, inquiries and/or records MUST be deleted from my report immediately! I am a doctor trying to improve the health and welfare of our country by partnering with the government via contractual plans and this lack of cooperation is delaying our goals.

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish 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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have recently viewed my credit report and I found several inquiries on my credit report that I did not authorize. I would like for these inquiries to be removed and deleted from my credit report immediately. Thank you. 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX 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 or information Any other adverse item Or Information, Other than records Or convictions Or Crimes which antedates the report by more than seven years 15 U.S.. 1681S-2 ( AX1 ) A person shall not tarnish any information relating to a consumer to any consumer reporting agency it 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 2022-03-28
Company: LD Holdings Group, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, my loan company ( LoanDepot ) is dragging their feet in removing PMI from my loan after I met all of the qualifications in XX/XX/XXXX. I have contacted them several times recently ( originally in early XXXX, again around XX/XX/XXXX, and again on XX/XX/XXXX ), each time I was told that I would get a " resolution '' on my request to remove PMI in a few days. They have failed to contact me as promised each time, and each time I call, I speak to a different person who needs more time. I haven't been able to get any clarity on what is taking so long, but they genuinely seem to be intentionally dragging it out as long as possible in order to continue collecting extra payments. 

For context, I submitted a written letter in early XXXX formally requesting PMI removal as their policy requires. They confirmed receipt of the letter on or around XX/XX/XXXX. I have never missed a payment on my XXXX year loan and am in good standing. 

I have tried resolving this with LoanDepot, but I no longer believe they are operating in good faith. The last time we spoke, I let them know I would be filing a complaint if they failed to give me an update again. I was assured a manager would contact me no later than last Friday ( XX/XX/XXXX ), which they did not do. 

Once the XXXX payment is pulled, that will mark XXXX full months of extraneous PMI payments made to LoanDepot after I met all requirements for PMI removal and submitted a formal request to remove it as per the Homeowners Protection Act ( HPA ) guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Collection Consultants of California
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
The department of navient education is reporting 6 late pays on all 3 of my credit reports and mailed off letters on XXXX XXXX asking them to kindly remove because that information is incorrect. and they have not done so. I also disputed this information before that

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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: Their investigation did not fix an error on your report

Complaint:
In XXXX, I filed a complaint with the CFPB about the lender for my car loan not reporting my information correctly. I had also filed numerous disputes with each Credit Bureau and filed a complain with the CFPB about the incorrect reporting on my credit report, and the problem has not been fixed. I think the problem lies with XXXX XXXX XXXX ( my auto loan lender ), as they are continuing to report incorrect information. I have tried several times on more than one occasion to work with my lender to ask them to update my credit report, and they have either not responded to me at all nor have they reported my information correctly after numerous disputes with the credit agencies and working directly with them. I have proof that the lender is reporting incorrectly, which I have provided to the credit agencies as well. If this does not change, I will be taking legal action because what they are doing is causing undue financial hardship and causing me to lose future opportunities. What they are doing is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I need help and I don't know who to reach out to. 

My problem is that every other month or I find that I am getting calls telling me that my account is past due - when it is not. I have always paid my mortgage in two payments and since I retired ( as a XXXX XXXX XXXXy XXXX ) my 1st partial payment is the last Wednesday ( i.e. XX/XX/XXXX ) of the previous for the next month ( i.e., XX/XX/XXXX ). 

I received a very upsetting call today from someone ( a gentleman ) who was very obnoxious and insisted that I needed to pay my XXXX mortgage which includes late fees. After several attempts of explaining to this person that I don't have an outstanding balance due, I relented and said that if need be I would take this up with Consumer protection, he told me that I didn't know what I was talking about and that he was looking at my account, I said I too am looking at both the mortgage and bank statements and that I needed to explain -- he cut me off and said I'm not going to argue with you and hung up I have attached my bank statements commencing with XX/XX/XXXX to the end of XX/XX/XXXX, highlighting what each payment was for and when it was posted for NewRez. Also included are copies of upcoming payments for XX/XX/XXXX. 

It's so confusing, it's like a shell game, I'm told that NewRez services the Mortgage for XXXX who as it turns out provide no assistance at all. 

If you can't help me, can you please direct me to someone that can. I would be ever so grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a XXXX with PNC bank as of XX/XX/2022 with a {$100000.00}. On XX/XX/XXXX, I had a closing call with XXXX XXXX # XXXX. During the recorded call, he used language that suggested I draw the full {$100000.00}. The benefit would be the money 'not collecting dust ' and being accessible to me sooner with the opening of an account. I asked him on several occasions what the interest rate would be on the full draw amount. He stated I would have a XXXX month introductory rate of XXXX XXXX ( even if I chose a fixed rate product ). 

Do to his wording, I chose to withdraw the full {$100000.00} instead of the {$5000.00} I initially decided upon. After closing, I received a monthly bill in the amount {$590.00} which did not reflect the XXXX XXXX ( {$270.00} payment ) rate he promised. I called customer service for several days and no one could help me even though the rate was ( and still is ) reflected on my account. I sent XXXX an email with my concerns. He agreed that he saw the rate of XXXX and would get back to me. He later said I did not qualify for the rate due to me locking the loan. I would have never taken the full amount or locked the rate if he were more honest and/or knowledgeable of PNC 's products and caveats. 

Once it was determined that I would have a payment of {$590.00} vs. {$270.00}, I contacted customer service on XX/XX/2022. I specifically asked the agent what my payment would be if I were to put {$77000.00} back into the account. She spoke with her manager and told me my monthly payment would be {$120.00}. I funded the account with the {$77000.00} due to her words. However, my account still reflects an expected payment of {$590.00} for the XX/XX/XXXX bill. 

PNC made several false and predatory statements to me involving this loan. If the bank 's employees were honest and/or knowledgeable, I would have made other decisions surrounding my choice of lock, lender and draw amount. 

These unfortunate misrepresentations have been daunting to me and my family 's financial well-being. I am asking that you please assist me with this complaint. I can provide snapshots and the calls were recorded. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX XXXX, Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account XXXX : XXXX XXXX  Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.

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 2021-09-29
Company: EQUIFAX, INC.
State: PA
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 literally at the end of my ropes I've been victimized and I have done everything but get a lawyer involved. I am a victim of identity thief, these accounts are not being reported with my consent. Yet, here I am being harmfully punished behind this crime I don't get it.In no way is this lawful its a violation of my privacy and i feel I have to get a lawyer involved for my justice. i have reached out to everyone and no one has responded yet!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: CBC Companies, Inc.
State: NY
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit report. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 did not give Transunion Permissible purpose to furnish any information on my credit file. Pursuant to the Fair Credit Reporting Act 15 USC 1681b - Permissible purposes of consumer reports. ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give permission as the " consumer '' Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( c ). Violation of my consumer file is a violation of the Fair Credit Reporting Act 15 USC 1681n ( 1 ) ( A ) civil liability for damages sustain by the consumer not less than {$100.00} and no more than {$1000.00}.

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 2021-09-29
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax Disclosure Department, XXXX XXXX XXXX, XXXX, XXXX XXXX To whom it may concern, I XXXX XXXX XXXX I am now asserting my rights pursuant to 16 CFR 433.1 16 CFR433.1 ( b ) consumer or natural person who acquires goods for personal, family or household use.

Under 15 U.S. code 1681b- premissible 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 : In response to the order of a count having Jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a federal guru jury. 
in accordance with the written instructions of the consumer to whom it relates.

Title 15 USC 1681 ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and additional Equifax is in violation of 15 USC 1681a ( 2 ) ( b ) ( D ) as the accounts listed below should be excluded from the consumer report. 

I, XXXX XXXX XXXX Never gave Equifax any written consent per request above law to report ANYTHING on my consumer report. Consent was not given to report my personal identity information which is identity theft 12 CFR 1022.3h. ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 

Concerning the 3 collection accounts listed below as a consumer I'm demanding a deletion of these accounts. 

COLLECTION XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I certify under penalty of perjury under the laws of The United States of America in the nature of [ 28 U.S.C. 1746 ( 1 ) ], that I have read the foregoing request for information and know the contents thereof, and that the information listed above is true, correct and complete. 
REQUEST EXECUTED this XXXX, day of the month XXXX, XXXX Respectfully submitted,. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Representative All Rights Reserved, Without Prejudice U.C.C. , 1-308, Without Recourse

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief