BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2019-04-18
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 was advised to contact you. I am wondering why I have items on my report that are not mine. I am thinking about starting a new business soon which prompt me to check my credit report. I see several items on my report that are not mine I need these items removed from my credit report. I have contacted the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX 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 2022-10-13
Company: Experian Information Solutions 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. 

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 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 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 2022-01-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Ive contacted Experian on numerous occasions about them furnishing information i did not give them permission to. They are violating me as a consumer at this point this is aggravated identity theft

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 2023-08-01
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:
.i was a victim of identity fraud, i have sent in police report before and have contact equifax by mail and phone. i also never gave them written consent toreport any credits of mine. they are in violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: SANTANDER HOLDINGS USA, 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:
To whom it may concern over the past year i have reached out to Santander Consumer USA account # XXXX in regards to furnishing inaccurate information on my consumer report. I also have sent them certified mail on mulitple occasions supporting my claim that this was not in fact my account i was recently released from the XXXX XXXX XXXX  XXXX of 2021 and have submitted all the necessary documents to support that claim to prove i did not or have any knowlegement of this open account being i was incarcerated at the time of this being open. I submitted documentation that shows Santander Consumer USA to be in violation of according to the Consumer Law & The Fair Credit Reporting Act, 15 U.S.C. 1681. All I ask is for this company acknowledge the violation and correct it before additional steps are taken. They have recently furnished information attaching an employee name on my consumer report which is in violation as well I am demanding this company remove this account asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposit a check at BB & T Bank on XX/XX/2021. They advise me that the funds would be available on XX/XX/2021 because its was a seven day hold. On the XX/XX/2021 after I deposit the check I was advise that my account will be close due to fraudulently activity. In funds will be available on the XXXX and I have 10 business days to withdraw funds or they will mail me a check. Went BB & t on the XXXX was advise that cant receive funds because it wasn't collect from the bank check was draw under. I waited the proper time frame now they telling me I need to wait addition three business days. They advise me that one individual is in control of me receiving me funds and I have to wait. Just don't understand if I waited the proper time frame. Contact that party that issue me the check and they advise me that the check was cash. Its a inconvenience at this point my bills is due we in the middle of an pandemic and I need my funds.

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 2023-03-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My partner and I placed an application for a home loan on XX/XX/2023 because we saw that chase said that they accepted homebuyers for FHA 3 % and 10 % home loans. Upon doing an initial application and speaking with XXXX, we were discouraged from sending our application to underwriting and were told that chase did not accept down payment assistance programs because people that used them tended to be unreliable with making mortgage payments, and that they did not do any FHA loans under XXXX for the same reasons. I attempted to file a complaint with Chase but they did not think discrimination was a big deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Back in XX/XX/XXXX, I submitted a request to refinance my home with Navy Federal Credit Union. The original loan Officer was XXXX XXXX. During the process XXXX XXXX required me to submit several documents to her and one of them was an agreement I had with XXXX. The settlement agreement was due to expire XX/XX/XXXX. Each time I would leave a message with XXXX XXXX I would never get a response, so for nearly ( 3 ) months I keep trying to contact her so I filed a complaint with the XXXX XXXX XXXX. On XX/XX/XXXX I received an email from XXXX XXXX XXXX and she informed me that XXXX XXXX had quit and she would be my loan processor. I informed XXXX XXXX that it is imperative that we don't miss the due date with XXXX. If that agreement expires then I would have to start that process all over. It took nearly two months to get XXXX to work with me in order to obtain the agreement. XXXX XXXX informed me that we would go to closing by the XXXX of XXXX. On the XXXX of XXXX at XXXX pacific coast time a I called XXXX XXXX XXXX confirm that we would be going to closing on the XXXX. XXXX XXXX then sent me an email on XX/XX/XXXX at XXXX pacific coast time stating one of her coworkers informed her that I didn't wish to continue with the process. I'm not sure were that information came from nor did I tell anyone that I didn't want to continue. Had that been the case why would I have called her the night before the day of closing? Since this process has started ( 6 months ) I have had nothing but one excuse after another from Navy Federal Credit Union. I have paid {$600.00} for an appraisal and to have my credit report retrieve. As it's known Everytime an inquiry is submitted against your credit report it affects your score. I feel I have been taken complete advantage of. I don't know if it's because their loan processing offices are in XXXX, FL and I leave in XXXX XXXX, CA and they feel their is nothing i can do to them. I hope by filing this complaint they realize they are beyond the reach of any consumer. 

Your assistance with this matter would be greatly appreciated. And any restitution that I can obtain would be worth the stress I have to experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: GA
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 have constantly been sending out letters regarding my charge-off accounts and a medical bill that they are reporting that is violating my HIPPA rights and the account doesn't have a name just the account number but here are the accounts that are reporting incorrectly XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. The charge-off accounts are reporting incorrectly and showing a past due balance and according to the FCRA, XXXX have the to an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I demand this be DELETED from my credit score. I am being XXXX  with phone calls at all hours of the day. This collection was paid to the original creditor by XXXX XXXX long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX off XX/XX/2016 misinformation on all three-credit reporting in which the account sent to two other collection agencies, and four the past XXXX years paying repair companies and reinvestigations. on and about i called XXXX XXXX XXXX and was forwarded to another collection company in XXXX and was paid in full, XXXX shows thansfer Transunion and XXXX shows Charged off with different dates. 

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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to my consumer to any. Consumer reporting agency 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 2021-01-11
Company: EQUIFAX, INC.
State: TN
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/2020, I mailed a letter about inaccurate information on my credit report. It has been almost 2 months and I still haven't received any results of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We purchased a XXXX recliner for XXXX for a XXXX recline on XX/XX/XXXX and also purchased the gold plan XXXX  to cover replacement for damaged or faulty craftsmanship. I used the XXXX  plan to replace the top half of the chair and the company charged me in full again for a new chair and after disputing the charge they still will not remove it. They claim I still owe over {$1000.00} for the chair I have been paying on every month for 17 months and will soon lose the no interest for 18 months promotion. They also will not show the last 12 moths worth of payments I have made towards the chair on their website. They stopped updating payments made in XXXX of XXXX. I feel I have been scammed and no one in the store can or will help and I am at the point of seeking legal counsel if something isnt done to resolve this matter. I refuse to pay any interest on this item that is not even made correctly and I am already having manufacturing problems with the new chair they brought me.

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 2021-02-05
Company: PENNYMAC LOAN SERVICES, LLC.
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:
Prior to XX/XX/2020 my payments have been 100 % on time and at least XXXX days early! 
XX/XX/2020 - I logged onto my PennyMac Loan Service XXXX app to make my normal payment as I have done previously. ( since I've lived in this house ) I realized once I tried to make my payment the APP was malfunctioning. 
I called the number that was listed and spoke with a rep on the phone that stated that they were in-fact having issues with the app so she would help me over the phone. 
I nicely agreed and went on to proceed to try to make my payment over the phone ( which I already don't like doing, because of the scams ) She then stopped me and said " Oh, you know you've already paid for this month '' I stated that that info was inaccurate because I pay around the same time every month. She continued to state that I was already paid for the month & if I paid again it would be for the following month. My finances move a lot so I stated I did not want to pay for the following month only this month. 
I was already frustrated so I told her never mind, I was just calling to make this months payment, not to be in all this confusion. 
Long story short I ended up missing a payment because ( 1 ) the app was malfunctioning which is what caused all this ( 2 ) the rep on the phone told me I did not need to pay for this month ( knowing I didn't know proper loan terms, which were explained to me 2 months later ) I have had my same job during the entire pandemic so my income has not changed and the money was there ( once I saw the missed payment, I paid for XXXX & XXXX the same day ) I called back once I saw all this to speak with PennyMac credit reporting side, and they stated they don't do courtsey late payment removals. I then explained that if the app was working I would have made my payments as normal.. 
ALSO if the rep just would have reviewed my account or just let me PAY like I was calling to do ALL this could have been avoided! 

This has also kept me from refinancing my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to complain to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX/XXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX Inquired on XX/XX/XXXX  XXXX XXXX  Inquired on XX/XX/XXXX  XXXX XXXX  Inquired on XX/XX/XXXX  XXXX Inquired on XX/XX/XXXX  XXXX XXXX Inquired on XX/XX/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 2020-09-16
Company: INTERFIRST MORTGAGE COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or around XX/XX/2020 I started a loan refinance application with XXXX Mortgage XXXX XXXX XXXX Interfirst Mortgage Company. While still in the application process, on XX/XX/2020, Interfirst Mortgage Company contacted my Home Insurance company, XXXX, and changed my account Mortgagee from my actual current loan lender to Interfirst Mortgage Company. 
At no time in those twelve days were we anywhere close to closing our refinance or even finishing the application process. By doing this Interfirst Mortgage Company created a risk of having my Home Insurance expire and being in violation of the terms of my open loan with my actual current lender as the bill for my XX/XX/2020 renewal would have been sent to the wrong lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
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:
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 XXXXXXXX XXXX XXXX XXXXXXXX # 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 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 explanation