BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
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:
I am submitting this complaint regarding the Fraudulent information reporting on my Credit Reports. The last letter I sent to the Credit Reporting Agencies was XX/XX/XXXX with complete attachments of my XXXX information. I am a victim of Identity Theft and I have reported the theft of my identity to the FTC. The items I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the identity theft. Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. The items listed below are the results of the Identity Theft, therefore I am requesting the Credit Bureaus to comply with the law and remove these from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-22
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. 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. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1100.00}, and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$700.00}.

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 2023-11-07
Company: Experian Information Solutions 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:
In accordance with 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 XXXXXXXX XXXX XXXX, has violated my rights. 

I have already disputed these items with the bureaus but they did nit remove them, nor prove validation under Sec. 609 FCRA.

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 2023-03-15
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The complaint is regarding my bank, PNC, refusing to give me access to my transactions in digital format older than 3 months. Despite contacting them several times over the past 9 days, they have refused to take any action to resolve the issue. They have only offered me paper statements, which are not suitable for doing taxes. As a result, I am unable to obtain the required transactional information needed to file my taxes, and would like to inform the IRS about the bank 's refusal to provide the necessary information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Company was to remove the incorrect information from credit in XX/XX/2020, however, the incorrect information has not been removed and credit points have not been properly restored.

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 2023-08-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a notification from XXXX and XXXX XXXX company that my Synchrony XXXX XXXX account was closed immediately on XX/XX/XXXX by the creditor. I was not notified by the creditor of this action. I contacted the creditor as well as XXXX for information. Per XXXX, no information was shared to the creditor. However, Synchrony reported that they closed the account based on information from XXXX. This account was opened on XX/XX/XXXX and remained in good standing. I made XXXX separate purchases on this account within the last year. Currently, I have a remaining balance of ~ {$800.00}. ( Last transactional purchase was in 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 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX Mortgage violated federal laws regarding the CARES ACT Forbearance and VA Partial Claim in that they charged unlawful late fees and other erroneous fees to my federally backed VA mortgage before and after the VA Partial Claim - even though my mortgage was never late, and then XXXX XXXX XXXX Mortgage reported on my credit reports for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that my mortgage was late, delinquent, and past due between 120-149 days as of XX/XX/XXXX ( which is fraud and lying as I was current on my mortgage when I received the CARES ACT Forbearance in XX/XX/XXXX and through XX/XX/XXXX ). XXXX XXXX XXXX Mortgage then issued a threatening letter in XX/XX/XXXX - after receiving the VA Partial Claim payment in XX/XX/XXXX that if I didn't pay late fees and other erroneous fees by XXXX XX/XX/XXXX then they would call the entire loan balance due and begin foreclosure proceedings. We disputed these late fee and erroneous fee amounts and stated this was in violation of federal law, but we paid the fees with the request that the fees be refunded. XXXX XXXX XXXX Mortgage continues to assess late fees and erroneous fees during the time in which the mortgage was protected by the CARES ACT Forbearance - thus continuing to violate federal laws with regards to the CARES ACT Forbearance, VA Partial Claim agreement, TILA, FCRA, RESPA, FDCPA, while engaging in Fraud, Lying, Extortion, Racketeering, and Conspiracy to Commit. XXXX XXXX XXXX Mortgage illegal actions and violations of the law caused me harm as my credit report suffered by losses at and over 100 points in XXXX, XXXX, and XX/XX/XXXX. My VA mortgage account number with XXXX XXXX XXXX Mortgage is XXXX. XXXX is the parent company of XXXX Mortgage and their contact number is XXXX. U.S. Government Official - VA Official XXXX XXXX has evidence to support and substantiate this claim and his contact information is ( XXXX ) and his telephone number is XXXX option XXXX, then option XXXX - extension XXXX. This information regarding violations of federal law and criminal activity by XXXX XXXX XXXX Mortgage was reported to the FBI as of XXXX XX/XX/XXXX, as they are engaged in a conspiracy with XXXX XXXX XXXX XXXX, XXXX ( the former mortgage company between XX/XX/XXXX - XX/XX/XXXX ). The victim, a 100 % XXXX Combat Veteran can be contacted by telephone at XXXX or by email at XXXX or by mail at XXXX XXXX XXXX, XXXX, SC XXXX. ///NOTHING FURTHER TO 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 2023-03-16
Company: EQUIFAX, INC.
State: KS
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXXXXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX, KS XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I want the balance to be reflected correctly ALWAYS. This issue has been disputed in TransUnion and XXXX  at least twice now. They find that XXXX is incorrect and then amend. Then a month or 2 later XXXX bumps the balance up several thousand dollars again. Each time causes a big hit to my credit score.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was the victim of identity theft when my wallet was stolen from my vehicle including my social security card, ID, and other personal item, then later used to open fraudulent credit card, personal, and auto loan accounts in my name. On XX/XX/XXXX, I reviewed my 3 credit reports and found items which I did not open and that did not belong to me. I realized that I was the victim of identity theft and proceeded to file an Identity Theft Report with the FTC, as well as contact TransUnion notifying them of the Identity Theft, and that they were holding inaccurate data on my report in the form of the fraudulent accounts, and fraudulent inquiries. TransUnion has not responded to my letter, or FTC Identity Theft Report as of yet which was sent certified mail, nor have they removed the inaccurate items. I am including both the FTC Identity Theft Report that I filed as well as the letter that I sent to them detailing the Identity Theft and accounts.

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 2023-03-16
Company: EQUIFAX, INC.
State: NY
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 one of several times I've discovered that my credit report had inaccurate information. The XXXX and Equifax credit bureaus must verify his item in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this item as unconfirmed information without validating them within the legally required time range. This false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX Corp., XXXX. XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$9000.00} ; XXXX XXXX XXXX XXXX XXXX : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; 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

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 2023-08-25
Company: EQUIFAX, INC.
State: KS
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a complaint against Mr. Cooper, a mortgage servicing company. 

This company took over servicing my loan in XXXX, XXXX. My homeowners annual premium was due on XX/XX/XXXX. I received a letter from my insurance company on XX/XX/XXXX advising me that my homeowner 's premium had not been paid, and that my policy was in danger of being cancelled for non-payment. I sent an email to Mr. Cooper thru their website on XX/XX/XXXX, asking why that had not been paid when it was due. I received a " form '' email in response several days later, advising me that it would take them 7-10 days to research this. That was interesting, because I could check on their website and find out in less than a minute if it had been paid. Several days after this response (? ), I received ANOTHER " form '' email, telling me that my issue was bring forwarded to the insurance department for review, and that they would be in touch following their " investigation '' into this not being paid. In the meantime, I am receiving calls and letters from my insurance company AND my insurance agent wanting to know if I was going to pay the premium. I have not heard anything from Mr. Cooper since I was told that it had been forwarded to the insurance department. I have ZERO faith in this company to service my mortgage properly. Now I am going to have to double check to see if my property taxes are being paid on time, as well as my homeowner 's insurance. I have not had ANYONE from Mr. Cooper reach out to me by email or phone to tell me what is going on.

Company response to consumer: Closed with explanation