BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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:
I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX : {$230000.00}

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 2021-05-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts, addresses, and inquiries listed on my credit report that don't belong to me. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im trying to get a car but no one can get my credit report to release. I had to quit my job because of transportation issues and not being able to afford XXXX to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: NC
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 writing to formally lodge a complaint regarding the inaccuracies present on my credit report, as well as the persistent failure to rectify these errors despite multiple dispute attempts. My aim is to bring to your attention the ongoing issues I have faced in attempting to have my credit report corrected and to request your immediate assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: NY
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:
The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate and the date last reported is not accurate, this is ground for removal. they also violated my rights under 15USC1681 section 602A. states I have the right to privacy.15USC1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions. also the credit bureas took more than 30 days to complete my investigation which is clearly against the laws and against my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Telsa Motors 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:
I have 3 hard inquires on my report dated XX/XX/XXXX2022 They are not mine. 

I had contacted XXXX via phone and was told it was disputed, and within 3-4 days it would be removed. 
Its now XX/XX/XXXX and the hard inquiry still shows on my report. 
I then chatted with XXXX and was told I was given wrong information. 

I was told I then had to mail in my dispute, and now nearly 2 weeks has passed since then.

1. Dispute the 3 hard inquries 2. Complaint versus the transunion rep that provided me wrong information Photo attached of the hard inquries.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2021-05-25
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was service transferred to SunTrust as of XX/XX/XXXX. I tried to call them to make a payment since my recurring payment was canceled. I was on hold for over 45 minutes. Instead of being able to pay at that time, I paid via online bill payment on XXXX because I did not have time to sit on the phone any longer. Per my bank, they received the check on XX/XX/XXXX. I called on XX/XX/XXXX to check on the payment and they said they had not received it but that I would not be charged a late fee because of the service transfer. I made a second payment online that day because the agent told me that I would NOT be able to set up recurring payments until I made a payment and if I made an online payment, I would be able to take care of if it that day. Thus, as of XX/XX/XXXX I had made two payments to SunTrust for the month of XXXX. After I made the online payment, I was still unable to set up recurring payments and the agent merely said oops sorry. Thus, I spent nearly an hour on the phone, made an extra payment since that is what they told me to do so I could set up recurring payments that day and I was still unable to set up recurring payments. Today, XX/XX/XXXX, I checked the Mail and I have a letter dated XX/XX/XXXX ( the day I spent almost an hour on the phone with them and made an online payment ) stating I'm delinquent on my loan and also a periodic statement saying I owe two months of payments and will be assessed a late fee. 

SunTrust is one of the worst loan servicer I have ever dealt with. I understand I have no control over who will service my loan but I hope as the CFPB you will examine their servicing practices. They are clearly understaffed because it takes over 30 minutes to get anyone on the phone, they are undertrained as they told me making a second payment would allow me to set up recurring payments but it did not and their periodic statements are printed inaccurately.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not authorize to consent nor benefit from the following account ( s ). Block and Remove

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 2019-07-29
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is Urgent I'm getting foreclosed XXXX please stop since I had no Notice to me or the online account By Mr Cooper Mortgage formerly Nationstar mortgage my lender after me fixing to better conditions my house after the explosion of my the house and getting a Trial modification and keep paying extra 3 months they stop me from making payments Why? 



first letter I sent and just below is the second letter because no response Mr cooper regarding why they never sent me a notice of foreclosure to me personally or in my online account just say they send me a letter about protected under SCRA just a letter and a letter contact them on dated XX/XX/XXXX received XX/XX/XXXX well I have been sending them an appeal and no response also I have contacted XXXX XXXX the investor XXXX XXXX XXXX and they told me they will call me but no avail yet I would like your help I need your Help Please hope you are able to stop foreclosure or at least Now that XXXX XXXX be accountable for there actions and settle my fire and explosion Case I have lost everything and now I'm being foreclosed please let them know I have XXXX daughters and their dreams and My dream as a XXXX shatter to pieces I was just opening a photo studio in my house with extensive equipment and I lost all of it no only relating to the foreclosure action but the Negligence on XXXX XXXX XXXX now XXXX home services regarding the nature of my unfortunate Circumstances I have been also Not taking serious neither by the Insurance company of XXXX XXXX XXXX attorneys and they service subcontract with XXXX XXXX XXXX, XXXX they blaming each others but that is The Root of all this is the Negligence of XXXX XXXX XXXX since XX/XX/XXXX and I have not received a penny from them but they Sure had to sue me for the remaining oil bill witch I had to pay back in XXXX they were aggressive here I'm 7 years later and getting foreclosed please help let me send you the documents supporting this claim but more important stop Foreclosure please look at this link https : XXXX % XXXX % XXXX % XXXX % XXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 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 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reached out to XXXX, TransUnion and XXXX well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report. The accuracy of the data reported is inaccurate. If they received the same information from the same company/data furnisher then why is there different information showing for all three credit bureaus. All information must be the same not misleading and falsely reporting. All information must be accurate or it must be immediately removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I am the owner of single family residence recently purchased on XX/XX/2022. I did not put down the full 20 % down. PMI was added to the mortgage payment at a cost of {$1000.00} per month. Since purchasing the property I have remodeled and upgraded the inside of the entire house, adding safety, efficiency, modernization and green improvements that make it more valuable than when I bought it. 

I have been in contact with GEM Mortgage ( GEM ) because, given the increased values with comparable sales, the property now qualifies to have the PMI removed since the value of the house and those around me have gone up in value and now equity exceeds threshold for requiring PMI. 

On XX/XX/2022 GEM asked me to obtain a Broker Price Opinion ( BPO ). I contacted a local third party Broker and after I received document, provided the BPO to GEM on XX/XX/2022. 

On XX/XX/2022 I called and emailed GEM to confirm they received the BPO document. Their representative now said I need to have one of the GEM representatives prepare a BPO at a cost of {$150.00} that I submitted on XX/XX/2022. The intention, as told by GEM is the process for going through with the cancellation of the PMI. I was told the BPO should take a couple of days. 

Today on XX/XX/2022 GEM is estimating it could take 3-4 weeks to eliminate PMI. This seems like lengthy amount of time to eliminate an expensive requirement and I would like to understand why, in the age of computers, and proof in hand, PMI would be so complex to remove from a mortgage. I have given GEM my credit card statement reports and receipts for all the materials I have bought, a summary of all the labor I have done and supplied them with photos of the remodeled house between XX/XX/2022 and XXXX XXXX. 

It is my perception that GEM is intentionally lengthening the process to get more of the PMI money as possible. I have all the email responses from GEM Mortgage. I am asking for investigation into the delay to remove PMI from my loan, and to confirm that it will be removed at the earliest possible time. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( ORIGINAL CREDITOR : 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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
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:
Credit Acceptance has falsely reported that I was late on a payment in XXXX. I was told by the company that I have a 15day grace period in which I could make the payment without it being considered late. My payment of {$230.00} was sent in by XX/XX/XXXX when the payment is due on the XXXX of each month. I have the confirmation number for the transaction so I don't understand why they are reporting that I am late on payment for 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 2024-01-04
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 have seven Inquiries on my credit XXXX XXXX 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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The Credit bureaus have a responsibility to report accurate and concise information for a consumers credit report. However, Transunion and XXXX still are reporting a bankruptcy on my report without providing any verifiable proof in the accuracy of their reporting. This is grounds for removal of the inaccurate account on my report, they are also in violation of my rights 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 an account without my written instructions. 

Also, the Credit bureaus have had this inaccurate information reporting in my personal credit account for an unknown amount of months/years. I have been trying to get this correction made for the past several months to no avail. That damage as a result of their erroneous reporting will forever be irreparable to me and my family, due to the high interest rates being paid, large amounts being spent on credit restoration and my inability to get approved for housing and other lending that depends on the accuracy my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
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 a victim of severe forms of trafficking in persons. I consulted with an advocacy group who helped me submit this information. How is it that one of the accounts came back verified if this human trafficking information was supposed to be confidential?

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