BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: Experian Information Solutions 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:
This information reporting on my credit profile is fraudulent and doesn't belong to me per the following : Experian : XXXX XXXX XXXX {$27000.00} account number : unknown/not listed Date opened : XX/XX/XXXX XXXX {$950.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX {$4000.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$27000.00} account number : XXXX Date opened : XX/XX/XXXX XXXX {$950.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX {$4000.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX {$27000.00} account number : unknown/not listed Date opened : XX/XX/XXXX XXXX {$950.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX {$4000.00} Account number : XXXX Date opened : XX/XX/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 2023-10-23
Company: EQUIFAX, INC.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$470.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS ARE OR HAS RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INCORRECT ACCOUNT XXXX TRANSUNION XX/XX/XXXX ACCOUNT XXXX DATE OPEN XX/XX/XXXX ACCOUNT XXXX XXXX XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED 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 non-monetary relief
Consumer complaint received 2019-03-20
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
It has been over 75 days since I have applied for a construction loan with First National Bank. After providing all of the required documents, I received a preliminary approval for my construction loan. After getting pre-approved, I provided my construction drawings and after receiving an appraisal - I was given the green light to move forward since the appraisal came significantly higher than the total loan amount. In every communication with my loan officer, I and my husband either met or exceeded the criteria for Loan-To-Value, appraisal value, credit scores and assets. Due to a change in staffing, I was required to explain large financial transfers in my banking account in the form of a letter. In this letter I explained my surrogacy costs and personal future plans to explain my current financial situation. After revealing this information I was denied for a " layered risk '' and then told that the denial shouldn't have gone out to me. Like many families, I am including my parents as an co-signer because they have plans to move in with me. I have included an elevator in my home for that reason and like many XXXX families - the plan is to all live together in our home. As of the date of the submission, my loan still has not been adjudicated and I continue to incur costs because of the construction delays. I am concerned that the reason for the delay is discrimination based on sexual orientation and ethnicity since the underwriters have not been able to articulate to my loan officer why the loan isn't being pushed forward. I have been told time and time again that I meet all the criteria for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I wrote the three credit bureaus, XXXX, XXXX  and TransUnion onXX/XX/XXXX. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

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 2021-07-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I HAVE COMPLAINT NUMBER XXXX WITH SUNTRUST ACTIVE STATUS CONCERNIG MISHANSLED WIRE PROCEDURE. AND ALSO FILING COMPLAIN NOW ABOUT IMPROPER IN INFO ABOUT STAUS OF CREDIT CREDIT CARD PAYMENT PAID IN FULL TO SUNTRUST NOW TRUIST BANK ON XXXX PREPARED BY XXXX XXXX AT XXXX, FL BRANCH HER PHONE NUMBER IS XXXX XXXX. THE COMPLAINT ABOUT ( XXXX ) IS BEING HANDLED FROM SUNTRUST CORPORATE OFFICE BY XXXX XXXX ON XXXX XXXX TOLD ME SHE WAS NOT ABLE TO TALK TO ME OVER THE PHONE ABOUT MY WIRE FRAUD ISSUE AND THAT I WOULD HAVE TO GO INTO A LOCAL BRANCH AND CALL HER. THAT DID NOT HAPPEN, SHE TOOK MY STATEMENT OVER THE PHONE AGAINST SUNTRUST TRUIST POLICIES. THEN ON XXXX XXXX SENT CFPB A NEGATIVE RESPONSE ABOUT ME STATING I NEED TO CATCH UP MY PAYMENTS. I PAID SUNTRUST IN FULL {$3800.00} IN FULL FROM XXXX XXXX  CHECK CLEARED BY SUNTRUST CREDIT CARD SUBSTITUTE PAYMENT COUPON ON XXXX XXXX. AS LIKE THE ABOVE CLAIM THAT CONCERN MY WIRE BEING STOLEN BECAUSE OF LATE ACTIONS BY SUNTRUST PERSONALS FOR {$15000.00}. EIGHT HOURS LATE NO REASON WHY WIRE THIRTY FIVE MILES AWAY SHOULD TAKE EIGHT. AND XXXX NEGATIVE RESPONSE THIS TIME TOOK SIX DAYS ACCOUNT PAID IN FULL.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried again to dispute items on my credit report TransUnion and yet again they come back with. They don't have to dispute it again when my information is clearly incorrect. What is my recourse here? How can they deny you the ability to request your own dispute? This should not happen. I don't have any information to submit because number XXXX. The company is no longer in business and number XXXX. There's nothing to submit. It's it's wrong. The information is wrong and they should not be telling me they don't have to dispute it. And so if nothing is resolved I will continue to file complaints

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 2021-07-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is about the following accounts : : XXXX  : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry.

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 






Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
reporting company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXXXXXX CAPITAL ONE XXXXXXXX, XXXX 's XXXX XXXX XXXX XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
They are reporting an old account as late when the account was paid into good standing and then closed. 

I have called multiple times and filed multiple disputes but nothing has changed. 

I called the creditor and they said they the account was settled into good standing and closed and that it shouldn't show a late payment on my credit report Account Name : XXXX XXXXXXXX XXXX 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 2022-12-09
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-10-23
Company: EQUIFAX, INC.
State: IL
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:
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 Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
Company: EQUIFAX, INC.
State: AR
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 personal information on my credit report is inaccurate and I have sent multiple requests asking them to correct it with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: NJ
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:
N accordance with the fair credit reporting act XXXX account # XXXX / XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Aspen Yo LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was transferred from XXXX to Gregory Funding on XX/XX/2021. I was concerned about this transfer because I was in a Covid-related Forbearance program that I needed to extend after XX/XX/XXXX, so I tried to reach Gregory Funding about getting this extension. I finally reached a representative on XX/XX/XXXX who told me she would begin the process to extend the forbearance, and she asked me a lot of questions about my ongoing Covid-related hardship. Then I received a letter from Gregory Funding dated XX/XX/2021, stating I had asked for a hardship extension, and giving me instructions on how to complete that request. I completed the hardship questionnaire that was included with the letter, as well as a hardship statement. My lawyer submitted the packet via email as instructed in the letter from Gregory Funding on XX/XX/2021. 

Since that submission, I have not been able to reach Gregory Funding. Every time I call, I am asked to wait on hold anywhere from 1 hour 25 minutes to 2 hours 50 minutes before I can speak to a representative. I havent gotten any correspondence from Gregory Funding about my hardship and forbearance application. I have instead gotten bills and statements from them telling me that I am behind and they are continuing to add late charges and fees to my account. I am very frustrated about this. I feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ftc violation all enclosed please

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 2022-12-16
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b 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