BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The name below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name- XXXX XXXX. They have 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 non-monetary relief
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021

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 2023-12-03
Company: EQUIFAX, INC.
State: CA
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 ACCORADNCE IN THE FAIR CREDIT REPORTING ACT. THE LIST OF THE ACCOUNTS BELOW HAS VOLIDATE MY FEDREALLY PROCTECTED CONSUMER RIGHT PIRVACY AND CONFIDENTAILY 15 U.S 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C1681 SECTION 602 A 15 U.S.C 1681SECTION 602 SECTION 2 15 U.S.C 1681C. ( A ) ( 5 ) SECTION 15 U.S.C.1681S-2 ( A ) ( 1 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I've been disputing this account for several months and they refuse to change the status to " in dispute '' for this account, they keep it at " account not disputed ''. They also " re-aged '' this account. In XXXX of this yr it showed " XX/XX/2022 reported, which was the first time they re-aged it, then now its showing " XX/XX/2022 ''. They're re-aging the account monthly which violates the FCRA

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 2022-08-26
Company: Experian Information Solutions Inc.
State: IL
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 Unauthorized inquires on my credit report. That was not authorized by me. 


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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13
Company: M&T BANK CORPORATION
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I 've been trying to understand the process for termination of the PMI based on LTV and am getting an unsatisfactory answer.
My understanding is that the LTV is based on the appraised home value or the value of the house that the loan was based on and not the original loan amount. Currently all responses whether called or emailed or mailed have all referred me to the original principal amount ( which was a refinanced amount ).
I 'm looking for the true LTV please. What was the appraised value when the loan was originated ( I keep receiving by mail the original borrowed amount ) and why ca n't we determine value based on the current appraisal by an independent appraiser, or even the current tax bill?
This approach seems deceptive and it seems to obfiscate responsibilities by M & T Bank for additional years of PMI.

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 2022-10-20
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom this concerns, I went through a divorce in 2020 and XXXX XXXX XXXX from XXXX XXXX XXXX told the respondent XXXX XXXX that he needed to pay 50 % of the acquired joint debts within the legal documentation of the Divorce Decree. ( Please see attached Decree ) page 4, P-2 ( c ) I want to pay my portion of the debt that was ordered by the Judge and after which I would like for the debt to be taken out of my name. I contacted The National Credit Systems several times over the last 2 years who hold the fore mentioned debt and they told me that I have to pay the entire amount of {$6100.00} with no offer of reduction, even though I explained to them that I was only responsible for 50 %. I also told them that previously I received a reduced offer of {$3000.00}. They stated that wasnt their problem and I would have to pay in full. I also recently received documentation that didnt correlate, the rent was {$1500.00} and I was told the 2 months rent was suppose to have be paid however they added a reletting fee of {$3000.00} but the were able to rent the apartment out shortly after. So I am unsure of why there was a charged if the said apartment was rented. 

XXXX XXXX was awarded the house and had access to pay his portion of the debt and the joint credit card debt but he hasnt attempted to do so. The respondent has somewhere to live but as it is a broken lease although he told me that that he handed in the required notice. So now, I am the one having difficulty finding accommodation and with the current situation of hard economic times I am sure you understand why this is imperative to achieve a solution. 

Please can you look into this and assist Kind regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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:
fact, I the affiant is aware and have proof that TransUnion has and definitely continues to violate my consumer privacy rights. I the affiant during my personal investigation, observed XXXX violations and counting on my consumer credit report. TransUnion continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed that the information was in fact incorrect and should not have be placed on there. Due to Transunion willful and gross behavior ; I have been reputedly violated and as a result of Transunion negligence, I have been Injured numerous times. The injuries include but are not limited to being denied credit, My valued reputation has been utterly disgraced and ruined, loss of business income, XXXX, and mental anguish.

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 2022-10-20
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a refund of {$6500.00} because I made payments towards my student loans after XX/XX/2020. When I contacted EdFinancial, they told me that they do not know when the {$6500.00} will be refunded to me. It has been over a week now and I have yet to receive any updated or the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
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:
Select portfolio servicing gave me a modification, They said after a successful mod, they would update my past due reporting to paid.

I made all payment on time to the aggreement.

They sold my account to XXXX XXXX, And now it still shows late payment for the entire time, Over 180 days late,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: GA
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:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 
XXXX XXXX Reported : XX/XX/2019 {$140.00} There is no contract, no valid claims ... account was settled with original creditor ( XXXX ) and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: MN
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. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX  business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
( MERCHANTS CREDIT GUIDE COMPANY XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency ( MERCHANTS CREDIT GUIDE COMPANY ) did not verify this collection. Also there was no written form of contract or signature to ( MERCHANTS CREDIT GUIDE COMPANY ) for this account debt at all. According to the FCRA and HIPPA, ( MERCHANTS CREDIT GUIDE COMPANY ) has violated my HIPPA rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I first submitted a dispute to XXXX, XXXX, Transunion and a collection company called XXXX XXXX XXXX regarding account # XXXX back on XXXX XXXX claiming that I was not responsible for this collection and that it was not mine. I asked all 4 parties mentioned to verify the collection. I received an itemized list of alleged charges from XXXX XXXX XXXX that in NO WAY meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I Also received various responses from Transunion and XXXX claiming they verified the erroneous reporting on my credit file. I then asked Transunion and XXXX to provide me with complete description of ALL methods used to investigate my dispute as I am entitled under FCRA 611 ( a ) ( 7 ). Transunion and XXXX NEVER provided me with original documentation as i am entitled under section 609 ( a ) 1 ( A ) and section 611 ( a ) 1 ( A ). Therefore as you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE ALL unverifiable information. 

XXXX XXXX XXXX just stopped communicating with me. 

XXXX despite 2 requests NEVER REPLIED ONCE!

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 2021-03-09
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

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 2023-12-03
Company: EQUIFAX, INC.
State: MD
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 private student loan was opened in XXXX and I renewed an XXXX XXXXXXXX XXXX deferment/forbearance form every year as required by XXXX XXXX, signed and certified by my school 's official. I called every time to request the form to be emailed to me, then sent the form back and followed up in a week or so to ensure it was received. My forbearance form in XXXX was no different ; I called to ensure it was received, and the female representative stated it had been applied as requested and would be good for another academic year. I thanked them. A few months later, I noticed on my credit report 2 late payments, significantly dropping my credit score. I was shocked and called XXXX XXXX. They stated they would apply the in-school deferment and did so starting XX/XX/XXXX, but never removed the incorrectly reported late payments from XXXX and XX/XX/XXXX. I also never received mail, e-mail, or phone calls telling me I had a payment due. I have repeatedly attempted to contact XXXX XXXX to no avail ; calls were escalated, I would wait on hold for hours, and eventually be told that it was a specialized department and someone would have to call me back. I never received a call back. In XX/XX/XXXX, the loan was sold to another servicer and there is apparently no one at XXXX XXXX I can speak to any longer. This is extremely frustrating and simply wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, 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've been contacting Equifax since XX/XX/2021 about unauthorized inquiries on my report. I was told they are not able to remove these inquiries over the telephone without a FTC report or a police report. I then sent in my FTC report and as it's widely known ; an FTC report can not only have XXXX inquires listed at a time, BUT on the site where the FTC report is located, IT clearly states that you can add additional Inquiries in your personal statement if need be. I myself have done this and sent the letter in to all credit bureaus including Equifax and was told ONLY BY EQUIFAX that they can not accept my FTC report because its not filled out correctly when indeed it is. They are also well known to report false information on consumers behalf. I've also sent letters asking for proof that said inquiries belong to me & followed up with a 30 day notice to comply. And both times was denied any explanation. These inquiries have impacted me negatively in the past and present and I ask that they be removed expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS ON XX/XX/2020. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER WELL OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS ON XX/XX/2020 AND STILL HAVE YET TO RECEIVE ANY RESPONSE. I EVEN GAVE THEM EXTRA TIME DUE TO COVID-19. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # 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 explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Wells Fargo should have included Me in their lawsuit payback related to payments being applied incorrectly, which in turn cost extra fees on the total amount paid.

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