BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: EQUIFAX, 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 XXXX XXXX a federally protected consumer under the FCRA has recently reviews Equifax my consumer report and I've noticed 25 unauthorized inquires that was not authorize by me the consumer. Pursuant to the FCRA 15 U.S. Code 1681a credit reporting agencies report 100 % accurate and verifiable information. I never authorize the inquiries and this Constitutes a violation of my federally protected consumer rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy under the 4th amendment rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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: Public record information inaccurate

Complaint:
I AM A VICTIM OF IDENITY THEFT. I BELEIVE MY SISTER XXXX XXXX XXXX FILED 2 BANKRUPTCIES IN MY NAME ONE ON XX/XX/2019 XXXX # XXXX AND AGAIN ON XX/XX/2019 XXXX # XXXX. I CONTACTEDTHE AUTHORTIES IN XXXX NEW JERSEY BY PHONE AND WAS TOLD IN ORDER TO FILE A IDENITY THEFT REPORT I HAD TO COME IN PERSON AND FILE IT SO I TOOK A PLANE FROM CALIFORINIA TO NEW JERSEY AND FILED A REPORT. i THEN SENT IT TO ALL 3 CREDIT BUREAUS AND TRANS UNION REFUSED TO TAKE IT OFF AFTER I SPENT MY TIME AND MONEY TO GO TO XXXX POLICE DEPT TO FILE A REPORT. THE DETECTIVE INVESSTIGATING THE CASE IS XXXX XXXX A 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 2021-09-13
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We are currently trying to close on a VA Mortgage with PNC Banking. As of XX/XX/2021 we are 13 dates past our closing date with no closing date in site. PNC has repeatably asked for the same documents multiple times. At one point we were told after two weeks of re sending documents they said they finally found them in a file that was done by another processor. Our appraisal was done in XXXX and we finally received the notice of value Friday XX/XX/XXXX, I was told this is a federal violation by not sending it 3 days after. We have not received a copy of the full appraisal even though we have been repeatably requesting it. The slow response to giving the notice of value and appraisal is an issue since the house did not appraise at value and the contract needed to be amended and renegotiated. They have told the seller 's agent they had all documents needed from them and then for weeks are requesting documents from us that should be coming from the the seller. They refuse to return any phone calls or take any phone calls from our real estate agent so that she can get documents and corrections to them. Tomorrow XX/XX/2021 we are breach of contract and in danger of losing our {$5000.00} in due diligence and are we are having to spend money for rentals on because we are so far past our closing date. We have been told by processing agents during conversations that they will just let our loan seat on their desk for a week. We have to call customer service lines because the loan officer, loan processing agent and the loan processing manager do not pick up their phones nor do they return phones. Any help would be greatly appreciated. We were told by our real estate agent this was our best option for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: CA
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:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-11-12
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting 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:
I have attempted to dispute a debt on my report regarding a student loan that was rehabilitated, but Equifax 's site does not allow me to file a dispute due to technical issues. I am also unable to contact anyone over the phone despite my best efforts. XXXX XXXX. I have a letter from the department of education stating that my debt is to be removed from my report. 

XXXX Also closed a dispute without taking action as instructed by the department of education. I need these reports updated on my account to reflect the work I have put into rehabilitating my debts XXXX also has not allowed me to submit a dispute through their portal online. I would like to dispute the same loan through them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: Accurate Background
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My criminal background or consumer report was requested from a company called XXXX XXXX, on XX/XX/2021. XXXX XXXX requested consumer information for the past 10 years. XXXX XXXX XXXX County put outdated and incorrect information on my credit report multiple times and XXXX XXXX may not hire me because of this incorrect information. There is a disclaimer on the bottom of the report stating my rights and it states, Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. The information was not only inaccurate, but OVER the ten-year request. This information needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
One of my old friend stole my informarion to rent an apartment on my name i didnt know about when i found out its was already to late they already sent it to collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX/XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6300.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00}

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 non-monetary relief
Consumer complaint received 2021-01-29
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I settled with the companyy for {$2500.00} in XXXX. They received funds on XX/XX/XXXX. I was told they would update my account 10 days after receiving payment. I spoke with them again today and everything is still in limbo. I have attached a copy of my payment and want this updated immediately. Initially, XXXX updated a letter in stating their last payment was in XX/XX/2020. This is inaccurate. I have emailed them multiple times, and have called every day since the beginning of XXXX. This is disappointing to say the least. They do admit to being in receipt of my money now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Years ago, my wife and I obtained a mortgage loan for commercial real estate from Wells Fargo bank. That loan was paid off in full XXXX. The problem is they never filed a reconveyance with the county to clear the property as collateral tying up the property still to this day. 

Our current loan officer worked on this and received no assistance from Wells Fargo ; the same thing happened with our current title company. When I personally got involved after many deflections and run arounds, I finally received an anonymous response from their XXXX XXXX XXXX department. Such a response is impossible to hold any actual person accountable. 

We have already lost one loan because of this and the current loan will time out soon as well. It was not difficult to do this 8 years ago and is not difficult to do today but here we are one game to the next. They even wrongly attempted to lay this off on the county recorder.

No consumer should have to deal with this type of problem, more so the amount of time and contacts thus far that is required is in and of itself just horrible. Wells Fargo should not be in the mortgage loan business.

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: EQUIFAX, INC.
State: OH
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX/XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXXXXX ) XXXX Balance : {$330.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Receivable Solutions Specialist, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account on my credit from RSSI # XXXX in the amount of {$95.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: MO
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 according to the Fair Credit Reporting Act, this creditor XXXX account # XXXX XXXX reported a 30 day late XXXX XXXXand XXXX XXXX XXXX XXXX account # XXXX  reported a 30 day late XX/XX/ has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}

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 non-monetary relief
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: CA
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 according to the Fair Credit Reporting Act, this creditor XXXX account # XXXX XXXX reported a XXXX  day late XXXXXXXX XXXXand XXXX XXXX XXXX XXXX account # XXXX reported a XXXX  day late XX/XX/ has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: SECURITY FINANCE CORP
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been paying on my vehicle for almost 3 years. The company has only reported the first 15 payments which are all current. I have notified them several times of this. I was called this month and last month about my payment with threats of negative reporting to the bureaus only to find out that the trade line was last reported XX/XX/XXXX as Current with a XXXX balance. I have continued to pay on this trade line in hopes that it was helping my score but it has not been reported and thus is preventing me from getting a mortgage or a better vehicle. Please help. I called the finance company today and they advised that they have been aware of the issue since XX/XX/XXXX and it has not yet been resolved. I have dealt with a lot of shady dealings with the now closed down dealership and the finance company. 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 explanation
Consumer complaint received 2020-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
iThe problem is with XXXX XXXX XXXX XXXX reporting false, misleading and inaccurate information. Reporting accounts as delinquent when they in fact received payments. My payments were due on the XXXX of each Month, late fee added if payment was not received by the XXXX of the following Month. Proof of payments received to follow XXXX XXXX continues to violate my rights according to the Fair Credit Reporting Act despite repeated request to correct the issue! 

Please note that late fees were subtracted on XXXX and XX/XX/XXXX because payments were in fact received as agreed yet XXXX  reported payment as 30,60 and 90 days past due. Reporting an account as delinquent implies that this creditor has not received a payment when you will see that they actually did Called to speak directly with a representative XXXX XXXX at XXXX XXXX at the Office of the President @ XXXX XXXX,  unable to communicate with him. Please be advised that this is the 2nd complaint to the CFPB, XXXX XXXX stated XXXX  did not receive a XXXX payment, they in fact did on XX/XX/XXXX ( within 30 day grace period ) After payment was applied on XX/XX/XXXX the balance of this account was {$450.00}. Could not send the entire amount therefore a payment of {$240.00} was sent with a final payment of {$210.00} on XX/XX/2019. Yet XXXX  reported this account as delinquent implying NO payment was made or received. 

The also reported " pays as agrees '' in XXXX  2019 then 60 days past due the following Month/ XXXX. XXXX to XXXX is 30 days! XXXX to XXXX was reported as 90 days past due when the account was actually PAID IN FULL on XX/XX/2019.

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