BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-31
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
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:
ACCOUNT ON CREDIT FILE AS PENTAGON FEDERAL CREDIT UNION THAT NOT MINE AND ITS FRAUD! IM NOT MILITARY OR HAVE ANYONE IN MY FAMILY AS MILITARY SO HOW COULD I EVEN GET A MILITARY CREDIT CARD! I HAVE FILED A POLICE REPORT AND FTC REPORT AND I CONTACTED THIS CREDIT UNION SEVERAL YEARS AGO AND TOLD THEM THIS ACCOUNT ISNT MINE AND CONTACTED PENTAGON FEDERAL CREDIT UNION WHEN THE INQUIRE WAS MADE ON XXXX  AND TOLD THEM THIS ACCOUNT WAS FRAUD AND THEY SAID THE ACCOUNT THAT WAS ISSUED UNDER MY CREDIT WILL NEVER BE ISSUED OR CANCELLED. THEY LIED

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 2023-07-27
Company: EQUIFAX, INC.
State: NY
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:
THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have requested this to be verified several times with no resolution, I have child support that is not only being reported incorrectly, it's actually showing up twice on my report with incorrect amounts, incorrect dates, and I was never notified it would be put on my report. I have attached a screenshot of my credit report showing multiple reporting.

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 2020-12-06
Company: Experian Information Solutions Inc.
State: PA
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 submitted a copy of my credit report with all 3 credit bureaus side by side to show proof of the inaccuracies and incomplete information that is being reported. Experian sent an immediate response back saying XXXX XXXX came back as a verified. XXXX XXXX is a inaccurate and incomplete account on my Experian and XX/XX/XXXX credit report. They are reporting 2 different payment statuses and comments. XX/XX/XXXXis reporting a charge off and Experian is reporting discharged debt in 3 different kinds of bankruptcies. Experian and XX/XX/XXXX both are reporting incomplete and inaccurate account numbers. No balance, past due and no financial information. They are reporting different dates the account was opened. I have submitted several disputes and the account keeps coming back verified. This account has previously been removed by XX/XX/XXXX This is a direct violation of my rights as a consumer. I have enclosed a copy of all credit reports side by side to view the inaccurate information.

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 2023-04-12
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
XXXX XXXX real estate companies have been reported on my XXXX XXXX i would like it to be closed and cleared as paid off and al funds returned to me via my XXXX  account per 12 USC 1813.

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 2023-02-21
Company: EQUIFAX, INC.
State: AZ
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted TransUnion to explain to them that I had not authorized these inquiries and I was a victim of their inquire glitch. I requested them to remove the negative inquiries and spoke with XXXX at TransUnion and she would not help and take care of the negative inquires that are reporting on my credit report. 
I asked them to remove the following negative inquiries ... .. 

XXXX XXXXXXXX inq. ( finance ) from XX/XX/XXXX consumer in. ( XXXX XXXX ) XX/XX/XXXXXXXX XXXX/XXXX/XXXX ( department & stores ) XX/XX/XXXX XXXX/XXXX/XXXX ( department & stores ) XX/XX/XXXX XXXX ( MISC. ) XX/XX/XXXX XXXX ( automotive ) XX/XX/XXXX XXXX XXXX ( automobile ) XX/XX/XXXX XXXX ( finance ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX ( MISC ) XX/XX/XXXX XXXX XXXX. ( BANK ) XX/XX/XXXX XXXX XXXX. ( Finance ) XX/XX/XXXX XXXX XXXX ( automotive ) XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX ( finance ) XX/XX/XXXX andXX/XX/XXXX and XX/XX/XXXX XXXX ( bank ) XX/XX/XXXX XXXX ( national credit card airlines ) XX/XX/XXXX XXXX XXXX ( finance ) XX/XX/XXXX XXXX XXXX ( finance ) XX/XX/XXXX and XX/XX/XXXX XXXX ( finance ) XX/XX/XXXX I called Transunion and spoke with XXXX to get help with the removal of the negative inquires and I did not receive any help at all and I have called prior asking about removal and still no help. 

My name is XXXX XXXX and ss # XXXX birthdate XX/XX/XXXX I can be contacted at XXXX or 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 2023-03-16
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:
n 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. 

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 # XXXXXXXX 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 XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2022-02-16
Company: EQUIFAX, 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:
According to my congressional findings pursuant of 15 USC 1681 ( b ) ( 2 ), A consumer has the right to demand remedy by means of written or oral communication. In addition, based on the due diligence I have, 15 USC 1681 ( a ) ( 1 ) Congressional findings and statement of purpose. 
The banking system is depending upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system worldwide, unfair, inaccurate credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
As EQUIFAX would know, there is a need to ure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Unfortunately, EQUIFAX has not been exercising their grave responsibilities that was given to them nor performing reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and lawful, as well as equitable to XXXX XXXX XXXX, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681 ( b ), which states reasonable procedures..

I have remained very humble throughout these past 7 months despite the stress, mental abuse, and harm that EQUIFAX has caused with the inaccuracies on my report. With these inaccuracies, I have not been able to find stable job placement, cant buy a house, or a car for my daily life. Lenders look at my inaccurate credit report and say Im a risky candidate. THIS CAUSES mental stress as im not able to live the life I want because of EQUIFAX reporting alleged transactions, and inaccurate information I never gave consent to report! On record, I did not give EQUIFAX any form of written or verbal instructions to accept, furnish, or report any information on my behalf. By the powers vested in me by the one TRUE living GOD, I hereby demand that the accounts named as collections be removed immediately ( XXXX XXXX, XXXX XXXX XXXX ), as well as all DEROGATORY MARKS, ALL LATE PAYMENTS, ALL INQUIRES INCLUDING SOFT AND HARD, that was not auhorized by XXXX XXXX XXXX verbally or written, be deleted, and removed IMMEDIATELY. If EQUIFAX claims they have done any investigation regarding any account, in persuant to 15 U.S. Code 1681a ( e ), I request the names/ persons, location information of the persons associated with my character that were interviewed verify this debt. I am also a victim of a data breach that was caused by EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
In XX/XX/2023, I received an alert from my credit monitoring service that I have hit a milestone of paying off 20 % of my mortgage. I called my company and requested PMI to be removed and asked what I need to do to get this completed. They informed me that I still had more PMI until XXXX. Fine. Called in XXXX. Said again oh no got XXXX more payment. Fine. Call XXXX, told yes PMI is removed you are all set. Also chatted through online service. I keep tracking as my payment is due XX/XX/XXXX but nothing changes. From the second week of XXXX until XX/XX/XXXX I have called and chatted with some 7 times each person assuring me it is just a technical error, they told me my new payment amount and assured me that my account will be updated in 3-5 business days. They instructed me to make partial payment and submit the new amount due and the system would be fixed nothing will happen. I have now been charged a late fee and am worried that my credit will take a hit as they are not doing anything.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Paradigm Assets, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX ( a collection company who buys accounts to harass consumers with no founding proof ) has created a collection process that is erroneous and unfounded. This company has ruined my credit by posting incorrect debt and amounts of debt on my XXXX and XXXX credit report. The information is incorrect on both reports. XXXX has a 10-year debt on my credit report and in an illegal attempt to prolong their attempts to illegally collect a debt, they updated the account in XX/XX/XXXX. This account has been disputed since then for {$27.00}, XXXX, an exaggerated amount because this company continues to add illegal fees. According to the Bureau of Consumer Protection, XXXX must prove they have the right to : 1 ) Add their personal fees to a debt they buy 2 ) Prolong a debt, this debt should have been deleted from my credit file in XXXX 3 ) Collect from a consumer in another state ( Florida ) during a pandemic 4 ) Threaten a consumer who has no form of income during a pandemic 5 ) Attempt to collect monies without legal consent. 
Provide proof that it is lawful and accurate for XXXX to add erroneous fees to the original amount of debt. Provide proof that XXXX can attempt to collect a debt from a consumer in the state of Florida and add their fees. Provide proof as to why they are owed a debt. Provide proof that the consumer communicated with the company and was aware that there would be a collection account added to the consumers credit report. Provide proof that it is lawful to add a debt as if it is revolving credit. 

This company is not to contact me about any debt nor harass me since I did not receive lawful correspondence from this company. If this company continues to do unlawful practices I will sue them in small claims court. This collection has drastically damaged my credit report and I certainly will not deal with bullying or discrimination. Each credit report is reporting incorrect information from XXXX. I will contact XXXX XXXX XXXX and the XXXX XXXX XXXX because this company conducted 5 plus soft pulls on my credit monthly to monitor my credit report ; another illegal act. This is harassment and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On  XXXX   XXXX  , 2017, I went  to  the Western Union l ocated on  XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  to send a money transfer in the amount of  XXXX    XXXX   or {$7600.00} to my bank account in  XXXX ,  XXXX . It has been three months and I still have not received any information. I have called every day since sending the money and I have been told that the matter would be escalated to the direct to bank department and that I would receive a call back and no one has ever called. Today I called several different numbers and they informed me that it was deposited into the wrong account and could not be retrieved. Basically, they are refusing to refund me the money or attempt to collect the money to the account that it was deposited to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Explanation of Amount Due Principal {$1600.00} Interest {$330.00} Escrow ( Taxes and Insurance ) {$2000.00} Regular Monthly Payment {$3900.00} Fees & Charges Assessed* {$11.00} Past Due Amount** {$52000.00} Total Amount Due*** $ XXXX This is incorrect I want to get this resolve on my monthy statement to send the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Application was approved for {$2500.00} XXXX XXXX via internet application then application approval stated, call in for final approval, I received final approval and I was congratulated. Representative stated that I could activate card online ... .then I received card in mail ... .I was unable to activate and I called in only to transfered to department specialist. Then I was told ... .. I was requires to send in Tax form XXXX. I submitted all required documentation that was orginally required to get approved. 

I believe that I was unfairly profiled due to personal reasons of represenative after hearing my voice. If this wasn't the case I don't think I would have been originally approved and sent a physical card. Their was no request for Tax information or any documentation to verify who I was if that was a issue. I feel unfairly targeted and would like this issue reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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:
I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. Still received on response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realized due to the pandemic the system is slow but for a 30 day time limited investigation to take over 200 days and still no results to be mailed to be nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before this matter is escalated to the legal channels.

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 2022-02-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am trying to get this collection off my credit report. It was NEVER a collection account, it was an auto loan but still they are reporting it incorrectly and have not changed this even though I have contacted them several times. 

The account is now XXXX XXXX XXXX XXXX XXXX XXXX. Please delete this account off my credit report. 

XXXX is still reporting monthly status and its been closed for XXXX  years!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Synergetic Communication Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with Synergetic Communications INC. I do not have a signed contract with Synergetic Communications INC. On XX/XX/2018 Synergetic Communications INC contacted me via us mail trying to collect on a debt in which I do not owe them. It is impossible for Synergetic Communications INC to collect a debt without a written contract and also to try to collect on a debt which is past the statue of limitations in the state of Texas. Texas law requires 4 years for collections on repossessions. Synergetic Communications INC has been sued multiple times for trying to collect on debt that is past the statue of limitation date. If Synergetic Communications INC places this erroneous debt that they can not collect on onto my credit I will pursue legal action. Synergetic Communications INC does not have my permission to contact me by email, phone, or is mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation