BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: DC
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. 

XXXX, XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 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 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 explanation
Consumer complaint received 2017-03-24
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a home loan through PNC. I lost my job last XX/XX/XXXX and when I did I contacted them and told them what happened and that I would need assistance with my mortgage. They sent me a huge packet to fill out. I filled that out and got all the required information together and faxed it back to them. It cost me {$140.00} to fax it to them. Two weeks went by and I did n't hear anything. Then a couple months went by. I called and was told that I had been taken out of loss mitigation and put into forclosure for non payment. I said wait what? I filled out the packet and sent everything in. I called and left messages and no one called me back. So the lady told me that they needed more information. They needed my grocery receipts to prove I bought groceries, a bill for HOA fees ( I told them I do n't pay HOA I pay condo fees and I do n't get a bill ). A lot of stuff I ca n't get or that does n't exist. They wo n't work with me at all. I made a {$1200.00} payment and they said they are sending it back. They refused my payment!!!! Is n't there a law about refusing a payment that it 's considered bill paid in full? This bank is horrible period. They absolutely will not work with me at all and I have been trying for months. I have a little girl and husband. I 'm now connected with XXXX but they recommended I file a complaint with you. I 'm hoping you can help as well. Something has to be done with this company. It 's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Massachusetts Educational Financing Authority
State: MA
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 am currently working with XXXX XXXX XXXX for my loans. I was originally with MEFA since I started college in XX/XX/2012, but my account was sold last year without any notice. 

Both MEFA and XXXX XXXX XXXX have failed to provide me with documentation in a timely fashion on multiple instances, the first being that my account was sold. Second, I have never received a copy of a promissory note or my loan contract. Third, my modified repayment plan recently came to an end. XXXX failed to notify me that this plan was in fact ending resulting in a jump in payments from {$560.00} to {$1100.00}. When I called to see what had happened, I was told I had been notified and the only option I had was to apply for the modified repayment plan again ( but not before requesting the {$1100.00} payment I did not have ). 

After submitting my application and documentation, I was denied for a modified repayment plan with no sufficient explanation. contacted XXXX and spoke to " XXXX '' ( ID : XXXX ). XXXX stated it was denied due to the debt ratio. I have spoken with several credit counselors and other loan companies who have stated that I do not have sufficient funds to cover my bills, loans and daily expenses. 

I requested a copy of my promissory note and a copy of my contract. XXXX told me I should have had my copy of the contract from XX/XX/2012  and the promissory note was available online. When asked where the promissory was located on their website, XXXX ( who had claimed it was available ) failed to find it herself and claimed she was " mistaken ''. I then requested both documents be sent to me, which I have yet to receive. Both documents should be available online at any time to review. 

Following this, I requested a forbearance on my account. XXXX stated that was not available to me as it was stated in the contract that I do not possess and was supposedly given seven years prior. I then requested an extension on my loans in an attempt to reduce payments. XXXX stated this company does not do refinancing and I would need to take out new loans. 

XXXX and XXXX have been extremely unhelpful and disrespectful. I have made several attempts to lower my payments over the years to no avail. As a young adult working with this company, I have the right to possess and ability to access all documents when needed. I also have the right to work with a company on lowering payments that are not feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: MO
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 am writing to formally lodge a complaint regarding the presence of fraudulent items on my credit report. Specifically, I have identified inaccurately reported addresses and unauthorized inquiries that are adversely impacting my creditworthiness and causing significant concern. This letter serves as a formal request for the immediate removal and correction of these erroneous entries. 

The fraudulent items on my credit report are as follows : Inaccurate Addresses ; XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I dispute the accuracy of these addresses as they are not associated with me in any way. It is crucial to maintain the correct address information on my credit report to prevent any potential identity theft or fraudulent activity. 

Unauthorized Inquiries : XXXXXXXX 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. 

I have not authorized any of the above-listed inquiries, and their presence on my credit report is of great concern to me. Unauthorized inquiries can negatively impact my credit score and suggest potential fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate, complete, and free from inaccuracies. The presence of these fraudulent items not only violates the FCRA but also poses a risk to my financial security and creditworthiness. 

I kindly request that your agency conducts a prompt and thorough investigation into these fraudulent items, including the inaccurate addresses and unauthorized inquiries. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my financial history. 

Additionally, I request that you notify all the credit reporting agencies to which you have provided this erroneous information to prevent the continued dissemination of these inaccuracies. 

I expect your agency to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the removal and correction of the fraudulent items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I was looking at my credit report and looking at the hard inquiry that I was not familiar with. 

I called each and every company that I did not authorize no one to look at my credit report but no one has me on their report at all. I tried to disputed with the credit bureaus for months and only XXXX  removed it. 

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX Car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: MS
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:
I kindly requested that the companys verify the provided information Ive provided them and update my personal information records accordingly. Additionally, I requested them to uplift and remove any block for promotional purposes and the legislative security freeze on my credit report..And companys did nothing that was asked of them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: MD
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$840.00} XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXXXXXX Balance Owed : {$590.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-03-10
Company: PNC Bank N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I found out that there was information in the XXXX that would not allow me to open another account, I called XXXX and showed them they were discahrged during bankruptcy and to udate my report, now when I go to open any bank account im still having issues even t ho I have proven bankruptcy discharge, and they are not willing to open an account I need help 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 2023-09-22
Company: EQUIFAX, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
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 ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX. Please delete this account ASAP.

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 2017-03-03
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Funding , LLC and their subsidiary, XXXX, XXXX, XXXX had a judgment against me in XX/XX/XXXX and garnished my wages for four months in XX/XX/XXXX collecting {$3100.00}. The debt I owed was {$2500.00}. The debt was paid and they have recently started garnishing my wages again in XX/XX/XXXX taking {$830.00}. I called the legal department of my company and she stated that they collected the funds in XX/XX/XXXX and she does n't understand why they are garnishing my wages again. I 'm filing a complaint because I believe they are unlawfully taking funds from my check now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: AL
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:
To whom it may concern, I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report Ive reached out by mail and by phone already now Im submitting a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
I continue to seek clarity regarding the specific notification that prompted XXXX XXXX to close and cease reporting on the accounts I established with your company in 2022. In response to my filed complaint through the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX provided a response indicating that the account closures were instigated by a notification received from the bureaus. I am eager to gain insight into the particulars of this notification, particularly the precise nature of the information conveyed by Equifax that led to the necessity of closing my accounts. I wish to emphasize that these accounts were in good standing, and I possess no prior awareness of any circumstances that could have justified their closure. 

It is evident that Equifax 's actions have not only transgressed my consumer rights but have also inflicted considerable harm upon my credit profile. Consequently, I am compelled to insist that Equifax produces the documentation that XXXX claims to have received, which purportedly prompted the closure of both accounts with your institution. This documentation is crucial to corroborate the information you received, thus substantiating the rationale for the immediate deactivation of my account. 

Moreover, I draw your attention to an email correspondence issued by XXXX XXXX XXXX, which conveys that customers who phoned between XX/XX/XXXX, and XX/XX/XXXX, XXXX have been redirected to a XXXX, XXXX entity due to a phone provider-related issue. This occurrence appears to underscore a failure on the part of XXXX XXXX XXXX to fulfill its obligations under 15 USC 1681s-2 ( b ), potentially giving rise to liability for damages amounting to {$5000.00} as stipulated in 15 U.S.C. 1681n. 

I must also emphasize that this account was subjected to a dispute due to inaccurate reporting by XXXX, and the accuracy of my claim was subsequently verified. I possess a comprehensive collection of emails, complaints, and reports that validate this fact. 

Given the significance of these matters, I implore your urgent attention and resolution. I anticipate your timely response and the provision of the requested documentation from Equifax to clarify the circumstances surrounding the account closures. I am committed to addressing these issues promptly and am prepared to engage in further dialogue as necessary to ensure their satisfactory resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have a 30 year fixed rate non conforming conventional 1st mortgage from XX/XX/2016. At the time we bought the house and took the loan, we knew that we wanted to recast the mortgage in a few years. Our loan was initially with Everbank and the mortgage broker, XXXX XXXX, specifically told us that we were allowed a one time recast, which would reset our monthly payment obligations, if and when we made a large principle payment. About 1 1/2 years into our mortgage, we were notified that TIAA was now the new servicer of our loan. About a month ago I contacted TIAA to find out what I needed to do to recast the loan as we want to pay of 2/3of the principle now. I was told that TIAA would need to get approval from the owner of our loan. I had no idea even that TIAA was not the owner of the loan. In any case, we received a letter that our request was denied by our lender, but I could not even get a clear answer of which bank or who owns the loan. And I couldnt find out why we were denied. Now with Covid. And our income greatly reduced it is even more important to get our monthly obligations as low as possible. After speaking to several different banks, that supposedly own our loan according to TIAA, ( XXXX XXXX and XXXX XXXX XXXX XXXX Branch ), howeverbothof them report that they do not own the loan! So it is completely unclear who TIAA even sent the request to recast our loan and it is unclear why we would not be allowed to. You would think in this time of Corona and people scrambling for assistance with paying the mortgages, that the bank and services would be thrilled to get at least a guaranteed payment of something! 

I have made multiple calls or emails to TIAA, XXXX XXXX and XXXX XXXX. Everyone has been anxious to help, but I still have no answers to who owns the loan and why the rules have changed and I am no longer able to recast.

Company response to consumer: Closed with explanation