BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX : Acct. XXXX To Whom This XXXX Concern : As i have not heard back from " Equifax '' in over 30 days since my formal written notice of dispute dated XXXX, and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, i XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Southern Auto Finance Co
State: FL
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:
Didnt give this company any authorization to check my score, and would like these inquiries to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: PNC Bank N.A.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My hardship began in XXXX, when the economy was at its worse. I lost my job in XX/XX/XXXX causing me to fall behind in bills until I found fulltime employment. When I found employment back then it still was not enough to cover all of my bills. I notified PNC Bank of my situation. We agreed to a repayment plan. I paid almost {$3500.00} and continued to pay {$1800.00} per month for 18 months that I have receipts for to confirm validity. PNC made an error on my account after paying the arranged repayment agreement. My payment plan was stopped in which I escalated to a supervisor for assistance to get back on my repayment plan. The supervisor restarted my payment plan back up. 
I paid every month as agreed. This plan began in the early month of XXXX and continued to fall XXXX. PNC made another error to the repayment plan stating that I owed another payment after the repayment plan finished. Once the payment plan was finished I made two months payments of the original monthly payment ( {$1200.00} ) before I fell behind. My payments were rejected and this is why we are here today trying to save my home. 
I am now employed with stable, fulltime, consistent income on a monthly basis. I am respectfully asking for you to help me keep my home as I have now owned since XXXX with a modification. 

PNC refuses to review and keeps closing it for review after they ask me to submit a modifciation. 
I escalated to the CEO of PNC name XXXX XXXX who sent it to his escalation team. The liaison name was XXXX XXXX. I was shocked on how XXXX handled this. SHe never reviewed the documents after confirming receipt. She relayed only messages from loss litigation or her contact person who was assigned to it. 

I faxed the modification packet and docs numerous times just for them to say the XXXX tax were not signed when they were so I resubmitted them again directly to XXXX of what was sent. I was also told that there was not 30 days of income and they wanted YTD income that was also submitted and resubmitted. I recent paystub was also sent so there were no issues. Yet, it was. XXXX sent a message to her contact person in loss litigation while we were on the phone letting loss litigation know the docs are there. I had to check back with XXXX on the status for her to tell me the same thing she was told. It was closed out for review. I had to ask why she said usually when its 2 weeks before the sale date it wont be reviewed. She also said it was already in denial. 

I was so confused of her position in this. I was shocked she never looked at the docs initially. She was also in charge of the modification being resubmitted. It was handled poorly.

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 2023-05-04
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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries do not belong to me and are fraud. I have included the identity theft reports as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

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

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

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

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

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

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

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The inquiry was not authorized XXXX XXXX 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 2019-12-24
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This is regarding Navient. I have repaid all student loans as of XX/XX/2019. There is a XXXX  balance, yet Navient still lists the loans as being in repayment. I have called and emailed numerous times for written confirmation that my loans are repaid in full, to update the status as being repaid, and to close the account. They have not done so, nor have they reached out to me with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 disputed the improper use of my credit report prior. And even have submit the report showing my identity being stolen/compromised. 


XXXX. XXXX XXXXXXXX XXXX XXXX ( Finance ) - XX/XX/XXXX  XXXX. XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX  XXXX. XXXX ( Finance ) - XX/XX/XXXX  XXXX. XXXX XXXX ( Finance ) - XX/XX/XXXX  XXXX. XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX  XXXX. XXXX XXXX ( Bank ) - 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 non-monetary relief
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: WV
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: FIRST CENTENNIAL MORTGAGE CORP
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a new home in XXXX and was given reference by my relator to use this company. I have been trying to have my escrow account adjusted, as the taxes I am paying are way too high ( I am escrowing taxes, home insurance, and pmi ). 

I started this back on XXXX when I noticed that that my escrow balance was very high. As well as, seeing they were set to pay 2 tax lots/parcels when I only own 1 lot/parcel. I followed up with XXXX county, to verify the information. upon verification, I messaged back on XXXX that in fact, I do only have 1 lot and my taxes were {$10.00} for my first 6 months. I am paying roughly {$180.00} per month into escrow for taxes! Thats a HUGE difference. 

I also called in XXXX @ XXXX central time as this issue was too large to leave to a message, which they never respond with calls, and spoke with XXXX XXXX She said that there is a overpay and I would be sent a check that would take 3 days to process. 

I called on XXXX @ XXXX central time to follow up as to I had not heard anything nor received a check. I spoke with Ally at that time. She told me she didn't see any check information and that that is not usually how it is done ( as told to me by XXXX ). Also, that the escrow analysis was not even submitted until XXXX and not on XXXX as told by XXXX. 
I then asked to speak with a manager, because this was ridiculous, upon some hold time ( around 10-15 minutes ) XXXX came back on and said the manager was busy, I could either leave a message or continue to wait. I elected to do both, but XXXX would not let me, She gave an ultimatum of either hold or leave a message. I asked what the manager 's name was that would contact me back, and she responded saying that she was not able to disclose that information to me. 
I said I would wait, as she was very rude and becoming irate with me. 
Finally at XXXX, Sharron ( a manager ) picked up the line. I explained everything as in this message, and she said XXXX had mis-spoke and apologized and apologized for the way XXXX was on the line with me. 

She said this would be escalated to the tax department and they would get back with me. 

As of XXXX, I still haven't been contacted by anyone. So I sent a message to them. 
It is now XXXX and I still have yet to hear anything. No message, No check, No call. 
I sent another message preceding this, explaining my next steps, which was contacting XXXX State Attorney General, and Consumer Financial Protection Bureau. 
As read in this message, I have been mis-lead, lied to, and left in the dark with errors on their behalf now exceeding over {$3000.00} In these times, money is a much needed commodity, and the errors they have made and funds they continue to with-hold from me, are defiantly impeding on my well-bieng. 

PLEASE HELP

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 monetary relief
Consumer complaint received 2022-02-09
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was misinformed by XXXX XXXX/navient about my options for repayment as well as the removing of my co-signer, it was at this time my co-signer was forced to pay XXXX to be removed as co-signer by threatening to take theyre home. I was also permanently XXXX and on XXXX a bankruptcy judge discharged this debt due to the financial burden this would place on me and my family. I have spoken with navient many times and explained this to them they state that the loans can not be discharged through bankruptcy and continue to harass me through constant letters and reporting this to the credit bureaus thus causing more financial distress to me and my family. I have been deceived by my school as well as XXXX XXXX/navient. After learning of the ongoing lawsuit against navient I truly believe I should be included in the lawsuit against navient. I was never offered an income driven repayment plan I was always pushed for more payment than I could afford so I ended up defaulting and being charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REACHED OUT TO XXXX XXXX XXXXXXXX ABOUT A LATE PAYMENT ON ACCOUNT NUMBER XXXX. THEY TOLD ME THEY HAVE UPDATED THIS MATTER, BUT HAS FAIL TO UPDATE THIS ON MY CONSUMER REPORT AS I AM PREPARING TO BUY A HOME. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 

15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 non-monetary relief
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 Transunion, XXXX, and XXXX 2 letters asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX Address : XXXX XXXX XXXX. XXXX, XXXX XXXX This is my only name and my only address

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 2021-03-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted my mortgage application for refinancing in XX/XX/2020. 7 times contacted with mortgage broker, 3 times with NEWREZ customer service. No calls back or responses. 
Now, after 3 months of time waste interest rates went up. I suspect fraud or neglect and want to be compensated for my time and horrible customer service/ unprofessionalism/ customer neglect and money loss. 
Broker information : NEWREZ XXXX XXXX XXXX XXXX NMLS # XXXX Phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: Experian Information Solutions 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:
The months of XXXX, XXXX, and XX/XX/XXXX have been excluded from calculation of my score. Due to this the score erroneously dropped from XXXX to XXXX in XXXX and has remained XXXX each month since. It is now XX/XX/XXXX. My score has remained XXXX in spite of on time payments on all 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 explanation