BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: EQUIFAX, INC.
State: AR
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 recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX/XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: TN
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 Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( F ) - Reporting information during Covid-19 Pandemic ( ii ) ( I ) states if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 2019-07-12
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I made a payment of {$890.00} to PHH Mortgage Company via XXXX XXXX. I noticed on XX/XX/XXXX that the payment still was not applied to my mortgage account. I contacted the PHH Mortgage and they informed me that since I sent an inaccurate amount, the payment was returned to XXXX XXXX. I contacted XXXX XXXX and they informed me that the PHH Mortgage would need to contact them to release the refund. XXXX XXXX has also told me that they have submitted several request to PHH Mortgage regarding the refund. I have talked to PHH Mortgage 3-4 times a week and continue to receive the same response. " Call us back in 24-48 hours '' " A work order has been submitted '' " We are working on getting a return code for you to get your refund ''. I have been told by " XXXX '' a supervisor in customer service that it is being handled by the " Resolution Team ''. I was told on another day by a customer service representative that there is no such thing as a resolution team. I have told PHH Mortgage that in order for me to send the correct payment, I need my {$890.00} back. Still to this date, I have not received the {$890.00} 22 days later that I sent via XXXX XXXX and I am being reported with a late payment to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dovenmuehle Mortgage is essentially stealing my home away from me and the {$12000.00} the insurance company paid them to fix my home. My home suffered significant damage when two hail storms destroyed a large portion of my roof in XXXX. The insurance company paid Dovenmuehle, but they never paid my contractor. I had to pay the contractor out of my own pocket, but did not have the enough money to pay him to finish the work. I was forced to stop making my mortgage payments in XXXX of last year and use the payments to pay the contractor for the damage, while I fought with Dovenmuehle to release the funds the insurance company paid them. Dovenmuehle advised that they will hold onto the money until the damage is repaired, but this is unfair. The contractor is refusing to continue working without pay and my home is sustaining significant water damage and mold issues. Since the time that I fell behind on my mortgage, Dovenmuehle has failed to provide me with any sort of retention option on my home. They have wrongly set a foreclosure sale date on my home for XX/XX/XXXX and they have failed to give me the opportunity to save my home. They have not allowed me to work through any sort of home retention options and are refusing to give me insurance money that I am rightfully entitled to receiving. I have filled out FIVE COMPLETE  mortgage assistance packages and have never had a full review for mortgage retention options. I am requesting that someone within your agency reach out to Dovenmuehle Mortgage and get the sale of my home stopped and my mortgage payments back on track. I am a veteran and want to spend the rest of my life in my home, but will be kicked into the streets if I do not get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
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 is missing that should be on the report

Complaint:
ALL 3 " CRA '' CONTINUE WILL NOT UPDATE FILE AND ADD MISSING ACCOUNTS TO CREDIT FILE ... XXXX XXXX XXXX # XXXX AND XXXX XXXX XXXX # XXXX ... MISSING INFORMATION ON CRDIT 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 2022-11-08
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( XXXX ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was apparently " bought '' by Citizens One Home Loans. I have been trying to get service on my loan for over an hour. Have had to call twice. First call ... remain on hold over 40 minutes until someone answers and then hangs up. Second call ... no one answers the phone. No one answers to the secure messages. I simply get an email saying give them up to 5 days to respond. My loan was just transferred to Citizens One and the account shows a late payment fee but I have not been late and didn't owe this fee before my account was transferred to Citizens One. Now I can't reach anyone about my loan to assist. I have tried their website and have been sitting on hold for upwards of an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
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: Public record information inaccurate

Complaint:
I have tried to get my credit report from all three Consumer Reporting Agencies and these companies will not provide it. I have disputed items that are old, unverifiable, incorrect, and unauthorized. For example, my bankruptcy XXXX states they verified it but I sent XXXX a letter from the Court which states the Bankruptcy Court does not provide information to credit reporting agencies. There are inquiries from XX/XX/XXXX about nine of them and I only authorized one which was XXXX XXXX. I didn't give XXXX XXXX permission to run my credit like that. 

I sent letters out on XX/XX/XXXX, and again on XX/XX/XXXX, and I have not received a response from the big three as they are called. I have tried calling and all I get is being transferred throughout the companies or putting me on hold forever and hanging up on me. And now I can't get my reports even through XXXXXXXX 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 2022-10-11
Company: Experian Information Solutions Inc.
State: PA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-16
Company: EQUIFAX, 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 XXXX Account XXXX Account Name : XXXX  Account NumberXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: FC HoldCo LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am a XXXX  ( XXXX ) in the XXXX XXXX XXXX and throughout my career have never had an issue when it comes to being activated and requesting coverage under the Servicemembers Civil Relief Act ( SCRA ) until recently. On XX/XX/2022, I submitted a request to XXXX XXXX XXXX, who owns my vehicle loan, requesting SCRA coverage due to my activation and receiving a copy of my deployment orders. Flagship sent me a letter in the mail a few weeks later saying I was not eligible. I called the bank in XX/XX/XXXX to inquire as to why I was not eligible and the customer service rep told me I was not eligible when they ran my name through the system they use to verify eligibility. I explained I am not sure why it would say that, and referenced the copy of my orders I submitted to them for reference, proof of my eligibility. I decided to call back at another time, hoping to speak with someone who would be more knowledgeable about the SCRA  coverage for military members. I called back a few weeks later in XX/XX/XXXX, and again was told I was not eligible and needed to get a letter from my commander proving I am eligible. I called the base legal office asking for further guidance and was told to file a complaint since this is a direct violation of the SCRA act, and in the meantime they will assist me with drafting up a letter to have my commander sign to send to the financial institution. The XXXX I spoke with, said this is rare any business would push back when it comes to SCRA. I am submitting this complaint in hopes other service members do not give up if any financial institution pushes back against the SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX marked the XXXX Anniversary of my wife 's death. I decided it was time to sell 60 acres for property we had acquired together in XXXX to expand our plant nursery. On XX/XX/XXXX the vacant land was listed with a realtor. Within a few days we had several offers and I accepted one on XX/XX/XXXX. The XXXX XXXX XXXX did their research and uncovered a Mortgage Lien filed by XXXX XXXX XXXX XXXX in XXXX with the XXXX ( MI ) XXXX XXXX XXXX XXXX. I was shocked. Any matters related to ownership would have been resolved within 2-3 years after my wife 's passing. I spoke with XXXX XXXX XXXX and was told it was not uncommon and the bank most likely failed to discharge the lien. My online research brought me to PNC with had acquired NationalCity Bank which had merged with XXXX XXXX XXXX. After phoning several departments of PNC and getting nowhere I XXXX them and received an immediate response. I was directed to contact XXXX XXXX ( XXXX  ) and was told if they were unresponsive to tweet back and they would escalate the matter. I reached out to XXXX and they opened an secure online portal to resolve the matter. My sense was they shifted the responsibility of proof to me while I complied wasn't it ultimately their responsibility to prove I owed them money? 

The sale was pending and in jeopardy of not going through so I took action to prove toe the title company that there was no outstanding debt and lien was invalid. They insured the title and the sale was completed XX/XX/XXXX. Unknown to me XXXX had mailed a discharge document to XXXX XXXX on XX/XX/XXXX. When I followed up with XXXX XXXX on XX/XX/XXXX I was told that the document sent by PNC did not fulfill the requirement to discharge the lien and the assignment of rents filed on the same day. I was also advised that even though the title was insured it was in by best interest to see the process through with PNC. I emailed XXXX today stating the current situation and await their reply. Given that I had done all I could and the matter was not resolved I am contacting the CFPB to bring additional weight to the matter. 

XXXX XXXX identified the Libre 741 Page 317 and Libre 741 Page 323

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
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: Account information incorrect

Complaint:
In XXXX, I requested Student Loan Forgiveness which was granted but taken away. All my loans were consolidated at the same time into one loan and the loan servicing agent changed to XXXX. Today, I discovered that the combined loan which is over $ XXXX still remains on my credit report along with the individual loan line items from the prior loan servicer NLS which make my debt appears as doubled and is being reported as potentially negative based on those multiple line items and my credit score has taken a XXXX point drop. Every single old address was added back to my report out of no where and again this all has happened over night. Currently, I am XXXX not working, still attending school and trying to keep at least my finances intact the best way possible. The information that the credit reporting agency is sharing as public information is wrong and has a detrimental impact to my livelihood. Its unfair and its wrong!!!! Please help to remedy this matter.

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 2022-11-08
Company: Experian Information Solutions Inc.
State: SC
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/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 2023-09-20
Company: Experian Information Solutions Inc.
State: TN
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief