BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 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 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 2023-08-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I XXXX XXXX currently have some Fraudulent inquiries appearing on my credit report. 

XXXX XXXXXXXX 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 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 2022-05-13
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An inquiry was made to my consumer report on XX/XX/2022 as a result of identity theft. I did not apply for credit with Comenity Capital for a XXXX XXXXCC. I have attached my W2, utility bill, and identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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:
I recently have reviewed my credit reports and show an inaccurate account being reported to my credit file by Equifax. I have disputed with Equifax, and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to Equifax. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX  Issue : Duplicate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

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 non-monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is a closed XXXX account I never had before attached to an address Ive never live before.

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 2023-11-07
Company: MOHELA
State: NC
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:
My loan servicer is MOHELA. 
My first loan payment after the COVID pause was supposed to be due on XX/XX/XXXX. I was enrolled in auto debit which decreased my interest rate. This was a weekend, so I expected a delay. When I checked my account, my loans had been placed in forbearance with no information about why they were placed in forbearance. Although my loans had been placed in forbearance, my payment was still withdrawn from my bank account on XX/XX/XXXX I then received a notification from MOHELA on XX/XX/XXXX that was back dated to XX/XX/XXXX stating that my loans had been placed in an administrative forbearance. I did not want my loans in forbearance as I am in an income based repayment plan with plans to qualify for public student loan forgiveness and the forbearance was adding interest to my loan and extending the period of time I would have to pay. It also made the payment that was withdrawn from my account on XX/XX/XXXX not count as a qualified payment. 
I called MOHELA multiple times that week. XX/XX/XXXX was a holiday so no one was available to talk. XX/XX/XXXX I was on hold for over an hour and had to go to work. I was finally able to reach someone on XX/XX/XXXX. I spoke with a service representative who confirmed that a payment had been received, my loans were in forbearance and because of this forbearance my payment would not count towards my PSLF payment. I asked for the forbearance to be removed and my payment to retroactively count and he filed a request and reassured me that this was possible and would be complete in about 10 business days. Of note, I also sent a message to MOHELA through their website on XX/XX/XXXX ( because I had been unable to get through via telephone ) that I did not want my loans to be in forbearance. 
I continued to watch my loans and they remained in forbearance. I sent a follow-up message on XX/XX/XXXX that stated I spoke with a customer service representative and said representative had requested my loan be taken out of forbearance. I provided the request ID that was given to me by the customer service representative. 
I called MOHELA back on XX/XX/XXXX and the person I spoke with was able to see my prior request and promised that my loans would be out of forbearance before my next payment due date ( which should have been XX/XX/XXXX ). They confirmed that I would be re-enrolled in auto debit and my payment would go through on XX/XX/XXXX. 
It is now XX/XX/XXXX. My loans are still in forbearance. No money was taken from my account. No one has responded to either of my messages on the online portal ( sent XXXX and XX/XX/XXXX ). MOHELA continues to have wait times that are prohibitive to resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
THE SUMMARY OF EVENTS/ COMPLAINT. 
PennyMac keeps failing to comply with loan servicing and loss mitigation guidelines. I have been attempting to get a loss mitigation compromise from PennyMac which allows me to keep my home for months. I keep getting bad information from PennyMac and am stuck due to issues on PennyMacs side. 
I am divorced from XXXX XXXX, who was a co-borrower and a co-owner. She has not lived here for years and she has not been an owner of this property for more than 3 years. PennyMac has a copy of the deed which proves that XXXX XXXX transferred her ownership interests to me in XXXX. I am not in touch with XXXX XXXX, I am not able to get in touch with her, and she is not cooperative or involved in this. 
PennyMac keeps sending documents, including to my address, which are addressed to XXXX XXXX. PennyMac has known for years that XXXX XXXX does not live here. 
One example of PennyMacs behavior is that it told me I had to have XXXX XXXX permission to sell the home ( not that I want to sell it ) even though shes no longer an owner. I now believe that statement to be completely wrong. 
PennyMac also stated that it was sending me a loan modification type offer which included removing XXXX XXXX as a borrower. This turned out to be false. Instead, it again sent partial claim documents to be signed by me and by XXXX XXXX. 
Instead of moving forward with the type of offer which would resolve this, PennyMac filed a foreclosure case. While I waited for the offer I was supposed to get, the amount of the delinquency claimed grew larger. 
I am obviously not the only person who has been divorced from a co-borrower. There must be options for modifications when an ex-spouse who is NOT an owner wont cooperate. I have done what PennyMac has told me to do each time to modify my loan and take XXXX XXXX off the documents such as the deed in my name and then insurance in my name, divorce decree. Each time they would ask for one of those and I was told that they would take her name off. in the mean time they said to skip that payment thus putting another month behind. I can afford to the house payment but they have misguided to the point of where I am. 
**There is a foreclosure hearing scheduled for XX/XX/XXXX. At that hearing, PennyMacs agents will be seeking to schedule a foreclosure sale of my home. ** THE RESOLUTION/ WHAT SHOULD BE DONE. 
The foreclosure case should not go forward. PennyMac should direct its North Carolina agents to dismiss or at least put on hold XXXX XXXX, North Carolina case # XXXX SP XXXX. 
PennyMac should provide a loss mitigation option which allows me to retain my home, taking into account that my former wife, co-borrower XXXX XXXX, is not an owner, not a resident of the property, and not cooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: PA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank charged me over draft fees when I didnt even go negative money just went missing. Around {$300.00}

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 2022-05-13
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An inquiry was made to my consumer report on XX/XX/2022 as a result of identity theft. I did not apply for credit with OneMain. I have attached my W2, utility bill, and identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My student loan was defaulted due to a long period of unemployment, but recently I've managed to get back on my feet and begin working on getting all of my finances in order. I have 3 separate federal loans which were in a defaulted status and fortunately I was approved to consolidate those loans on XX/XX/XXXX. Two of the federal loans are being serviced by XXXX and the 3rd loan ( Perkins ) is serviced through Heartland ECSI. I was told by XXXX that the date my Consolidation was approved on XX/XX/XXXX. Those two loans were then automatically taken out of default and put into repayment on the National Student Loan Data System ( NSLD ). My 3rd loan with Heartland ECSI was also paid in full on XX/XX/XXXX, but remains on the National Student Loan Data System ( NSLD ) in a default status despite being paid in full. I have reached out to Heartland ECSI several times requesting that this information be updated, but I continue to get the runaround. It's pertinent that my information be updated immediately in the National Student Loan Data System ( NSLD ) because it could negatively impact my employment as in I could be terminated. My accounts with XXXX has been updated in National Student Loan Data System ( NSLD ) twice since XX/XX/XXXX, while Heartland ESCI has done nothing to bring my balance current. They continue to tell me that they aren't sure how soon it will be updated and they've gone as far as to tell me that it could take weeks. That simply won't do. Please assist in getting this rectified. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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: Their investigation did not fix an error on your report

Complaint:
Information reported is inaccurate for creditor XXXX XXXX account ending XXXX and this is against the fair credit reporting act. I have requested several reinvestigations and sent previous documents of proof and now I am including a credit report from XXXX  showing no late payments. If this creditor can not be verified as accurate, by law this account is to be removed immediately. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
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:
I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Im accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 15 U.S.C 1681 Section 602 A, States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2, it also states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal Law overrides any company policy. Please block and delete the following accounts from my profile : DEP OF ED/XXXX  {$57000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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