BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 inquiries were erroneous. The Credit Bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted from 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

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 2021-04-03
Company: American Mortgage Service Company
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We closed on a property in KY on XX/XX/XXXX. On XX/XX/XXXX over 6 months later we were contacted by Springdale Title informing us that our escrow account was overdrawn. We were told that our tax amount for the year XXXX was more than estimated on the XXXX settlement statement. The amount demanded raised flags to us as it was a very large discrepancy. After it was brought to our attention, we requested a statement we could reference detailing why we owed this money and how Springdale Title calculated the exact number. We were provided a hastily produced word document that did not help us ( no debit or credit indication for each amount that was given ). Eventually between our emails with the company, the word document and our statement settlement from closing we determined where the error was made. The estimated taxes paid by the previous owner had not been correctly credited to the XXXX estimated taxes. Rather, the money was credited directly to us XXXX the borrower ). After some back and forth with Springdale Title, they admitted there was an error made on our final closing settlement statement. 

We do NOT dispute that we owed Springdale Title {$1300.00} to remedy our escrow account overdraft. We paid the amount requested XX/XX/XXXX. 

Our grievances/complaints are as follows : - Springdale title did not initially admit that they had, in fact, made an error.

- Springdale Title initially asked for an incorrect amount. In total, we were told our tax burden for the property for the year XXXX would be 3 different amounts ( one amount before the property taxes were paid and two different amounts afterwards ). These 3 amounts were significantly different from each other, which did not instill confidence.

- Springdale Title demanded payment via email with no documentation supporting the specific amount they were asking for to remedy the escrow account overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Target card I mailed my check to pay my bill. Target keeps calling me regarding this matter. I mailed my check with my bill. When they called me at XXXX on XX/XX/XXXX I told the person that I paid my bill that my bill was mailed. I also told her do not contact my phone number again. Then at XXXX XXXX on the XXXX target called me, then again at XXXX on the same day. I called in the afternoon and told him to not contact me. They are violating my rights as a consumer. That I told them the day before did not contact me and they continue to contact me. They violated my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: GA
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:
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.

has violated my rights. Or list of inquiries 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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a complaint against TransUnion for reporting unlawful information/accounts on my credit report. Despite my numerous attempts to rectify this situation, TransUnion has failed to follow federal law and continues to report inaccurate information on my credit report. 
I first became aware of this issue when I applied for a loan and was denied due to information on my credit report that did not belong to me. Upon closer inspection, I discovered that TransUnion had included accounts that were not mine and had been opened fraudulently. 
Since then, I have made repeated attempts to correct the information on my credit report. I have sent multiple letters to TransUnion, filed disputes online, and even called their customer service hotline. However, TransUnion has failed to take any action to remove the inaccurate information from my credit report. 
As a result of TransUnion 's failure to comply with federal law, I have suffered significant financial harm. I have been denied credit, had higher interest rates, and been unable to obtain the financial resources I need to support myself and my family. 
I believe that TransUnion must be held accountable for their actions and for the harm they have caused me. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion complies with all federal laws and regulations.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX  {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} 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 of 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 2023-06-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received my credit report on XX/XX/26 and noticed hard inquiries that didn't have a permissible purpose on my report. These hard inquiries are hurting my ability to get approved for financial products that can benefit me and my family. I already contacted the credit bureau about this, and they are unwilling to assist. My rights under 15 USC 1681 b. have been violated. I have attached the hard inquiries that have no purpose on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2018 Ditech Financial claimed all of a sudden that I had a shortage in my escrow of approximately {$750.00}. How is this possible. The math doesn't add up. My payments have gone from {$530.00} to {$730.00} a month! No one will give me answers and customer service is almost non existent. I need this resolved immediately!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: TN
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:
XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
XXXX XXXX | XXXX Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!

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 2023-08-28
Company: EQUIFAX, INC.
State: OH
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 a victim of identity theft, these accounts below need to be removed, I went to the police station and gave them all the account numbers to these accounts someone opened in my name, I have talked to the vendors and they advised to file a police report By law these accounts need to be removed within 4 business days, this is not my first dispute, the cfpb has been failing to up hold the law to Equifax and my dispute have been unheard and not have been properly investigated, the police report has been attached to this dispute and all other required documents to confirm my identity XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: MO
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 2022-08-18
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:
There is information found on my consumer report that is a result of identity theft. I did not provide my written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as a consumer : XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). In the event the transactions are not blocked and deleted within 15 days of receiving this notice, I will seek litigation on the 3 credit reporting agencies listed in this report per the fine of {$20000.00} per day detailed in my XXXX Lien Notice regarding damages if the violation of my consumer rights continues. Affidavits have been sent via certified mail to all 3 credit reporting agencies listed in this complaint, and a FTC identity theft report has been filed as well ( Ref. # XXXX ). You are required to do what I am asking and block these transactions from being reported to my consumer report within 15 days from the date of the receipt of this notice. I look forward to your response. Thank you

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 2021-02-21
Company: Self Financial Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Klarna AB
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased shoes through a. Company called XXXX shoes via Klarna with my debit card and later learned from online reviews that the company had a bad reputation and fraud allegations. I tried to cancel the order and the company refused even though order has not been shipped and that is what the online complaints at XXXX state the company would do even though their policy says otherwise. I contacted Klarna to stop payments and they are unhelpful and are allowing the fraud. I contacted Klarna today to withdraw my authorizations for them to debit my card or bank account and their rep just ignored my repeated request to withdraw authorization. I want my account with Klarna closed immediately and any and all authorization to debit my accounts revoked as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: EQUIFAX, INC.
State: WA
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 aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute that there is a few accounts on my credit reports that are not mine. Please remove them immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: MOHELA
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: Account status incorrect

Complaint:
I had received XXXX emails on XX/XX/XXXX regarding potentially negative activity on my credit report. After reviewing my credit alerts, my student loan lender, MOHELA, reported they had attempted to contact me and were unable to reach me. These seven reports brought my credit score down XXXX points. I contacted MOHELA explaining that I had not received a phone call, letter, or email from MOHELA. I was informed by MOHELA that they in fact did not attempt to contact me. I have no past dues and I am still on my grace period with this lender and therefore should not have been reported negatively. They admitted that they will send multiple credit alerts to ensure people will contact them. 

MOHELA 's use of false credit reporting has lowered my score as low as it has ever been. The alert mentions they were unable to contact me and had been attempting to when in fact they never had. If they had called, emailed, or sent a letter, I would have willingly cooperated. This hinders my ability to finance my car, pass credit screenings with employers, and continues to cause unnecessary distress. MOHELA will not remove the alerts and claims my score will " fix itself in time ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: MA
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:
Experian refuses to provide me with the contact information for a company they are reporting. I am entitled to and have the right to have all information that Experian is reporting in my file. Experian is reporting that account XXXX was sold to XXXX XXXX XXXX. I am requesting that Experian provide me with all contact information for XXXX XXXX XXXX as required pertaining to the FCRA. I have requested this contact information multiple times with no contact information provided.

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 2023-06-09
Company: Experian Information Solutions 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm 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