BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
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:
reported to XXXX transunion and XXXX credit that i was credit hacked and that the bankruptcys and XXXX XXXX and XXXX  and several other companys were not mine and i have reported this to the police so i am asking for this department to help me in this matter i sent a fcra demand notice to all companys that states they have 4 business days to remove and or block

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 2019-10-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Complaint in re : XXXX XXXX auto loan. XXXX loan balance is incorrect. I have called a number of times to report this matter with XXXX and request the correction to no avail. 
I am trying to purchase a home in the next 6 months but these issues continue to plague my credit. 

On a separate issue, I have previously written XXXX XXXX and provided them with my updated address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX but again, they refuse to update my file. 

Finally, I provided XXXX XXXX with a final court order with my name change to : XXXX XXXX XXXX. As a direct result of XXXX XXXX refusal to update and cure these matters, I am unable to change the registration on my vehicle and am again forced to turn to the StateAttorney General for relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Complaint in re : XXXX XXXX  auto loan. XXXX loan balance is incorrect. I have called a number of times to report this matter with XXXX and request the correction to no avail. 
I am trying to purchase a home in the next 6 months but these issues continue to plague my credit. 

On a separate issue, I have previously written XXXX XXXX and provided them with my updated address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX but again, they refuse to update my file. 

Finally, I provided XXXX XXXX  with a final court order with my name change to : XXXX XXXX XXXX. As a direct result of XXXX 's refusal to update and cure these matters, I am unable to change the registration on my vehicle and am again forced to turn to the StateAttorney General for relief.

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 2022-04-26
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I was given a forbearance during Covid. This is my second mortgage, an equity line, and my primary mortgage has a balance literally five times as large, but that lender gave me an 18 month forbearance, an automatic deferral of the past due including property taxes and insurance. 

With PNC, I thought that the forbearance was for 6 months. I paid something every single month except the first month and gradually worked my way back to full payments. I did not receive notices that anything was wrong. I applied for a modification FOUR TIMES, each time doing all the paperwork and endlessly supplying documents. I would be told my application was complete and then receive a request for more information. As I am a XXXX mom  going through a divorce and working many jobs and trying to survive the pandemic, I would never be able to meet the very short deadline they would give me and I would have to start all over. I called and wrote to them many times BEGGING for help with the application since my applications were always being rejected. 

I finally gave up on the modification and asked for just a deferral of the past due. They said I had to start over the application process. I was afraid to start it again and started paying as much as I could each month, more than the minimum payment. They reported me as having 15 late payments, even though I had never missed a payment, I had just not paid the full amount during the forbearance and the period I thought the forbearance was continuing. They heaped XXXX XXXX DOLLARS of late charges on my bill and this increased the cycle, making it impossible for me to EVER catch up or ever stop being reported as late. 

I filed a complaint and was contacted by the corporate office who told me they could do nothing for me and had done nothing wrong. I asked for help with the deferral application since XXXX previous attempts did not work, and they told me no one could help me. 

I started working XXXX XXXX XXXX  to try to make more money to pay this bill and to be able to feed and house my kids. I am a XXXX XXXX  going through a divorce and this has made my life impossible. My credit score has plunged, all because of what PNC is doing, making it impossible for me to refinance my loan with some other bank. 

PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these changes. I demand that the items be deleted as soon as possible, to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions 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:
Good Day, I have a collections account on my profile that should not be there. I contacted the company many times trying to resolve and get the collection removed but to no avail so i'm reaching out to CFPB in hopes that this can be resolved quickly as it is causing major issues for my mortgage loan. I have a short window to get this resolved before the bank makes the final decision and my family is depending on me to provide. XXXX XXXX XXXX XXXXXXXX claims i owe {$9700.00} and that is incorrect! Collection opened XX/XX/2018. 

Thank you in advance for clearing this up so that my family and I can get the mortgage loan needed to provide a safer environment for our children.

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 2022-04-26
Company: Lockhart, Morris & Montgomery Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
An account was placed in collections by Lockhart, Morris, & Montgomery of XXXX, XXXX  on my XXXX credit report on XX/XX/2022 in the total amount of {$7000.00}. I never received any type of documentation or communication in regards to this matter. I have attempted to reach out to the company in regards to the legitimacy of this debt, but I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: AL
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 reviewed my credit report and based on what I read on the FCRA. Negative information has to be deleted 7 years from the anniversary date of the error or seven years from the first date of delinquency. Well when I combed my credit report I noticed some old negative information that has not be deleted based on the law as It relates to the seven year deletion date. I need this information deleted immediately and here is the incorrect information : 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 2017-10-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX, i was told that my account was closed. The reason is that i do n't have utility bill to prove my address is active. Chase closed my account. Until now, nearly a month, i did n't receive the reset of my money. It is very terrible experience. i do n't know when can i get my money back. It is a big amount of money for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been getting the run around from Transunion regarding an inquiry. I recently checked my credit file and noticed an inquiry from Transunion that I did not endorse. When I called Transunion I was told it was for an apartment complex in the state of Virginia. I live, reside and am currently in an apartment lease in California. I never attempted to get an apartment in another state, I never even considered moving. When I told Transunion this is not accurate they were not helpful and told me to just wait the 2 years until it falls off. This is an issue for me because I have an unauthorized inquiry on my credit file that should not be there. Also I was not notified in writing per Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me.

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 2022-04-26
Company: Stenger & Stenger, P.C
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX, I ( XXXX XXXX XXXX, called Stenger & Stenger to set up a settlement offer for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in the amount of {$2800.00}. After back and forth negotiations, I thought we had agreed to a {$2800.00} settlement and me making payments of {$200.00} a month, to find out later that Stenger & Stenger had lied just to get account information and to receive payments. I specifically asked Stenger & Stenger to send me a written statement of our agreement. Well, 2 payments later in the amount of {$400.00}, I still have not received a letter stating our settlement offer. Instead, I received a letter stating an amount of XXXX and not the settlement offer of {$2800.00}. I am requesting that the above account be dismissed because several of my FCRA rights were violated. As of XX/XX/XXXX at XXXX p.m. I reached out to Stenger & Stenger again to try and resolve the problem again. I was told this time that they would settle for {$2800.00}, which was more than what was initially agreed upon. {$2800.00} plus the XXXX I have already paid is {$3200.00}, which is still not accurate. I was told this information by XXXX XXXX XXXX XXXX ) XXXX. Throughout this entire process, I have been sent papers, such as legal forms when they were not ; they have threatened to seize or garnish my wages, in which I am unemployed at the moment; and actions such as a lawsuit taken against me and it has in the XXXX XXXX XXXX XXXX XXXX XXXX Stenger & Stenger also had the Sheriff 's Department XXXX XXXX XXXX running back and forth to my residence concerning the civil lawsuit against me. Why not put it in the mail? 
All of the above violations have occurred against me, even though I tried on numerous accounts to resolve this account. So, I am requesting this debt be canceled and dismissed due to hardship issues as well as violating my FCRA rights

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I viewed my credit reports 60 days ago. There is a paid charge off account for {$7800.00} from a company called XXXX XXXX XXXX. I do n't remember having an account with a XXXX XXXX XXXX, and have not sent them a dime, let alone {$7800.00}. So I googled XXXX XXXX XXXX address, I sent them a certified letter letter on XX/XX/XXXX it was delivered XX/XX/XXXX. In the letter I requested copies of the original signed dated contract, with my signature, to show proof I have an account with them. I gave them 30 days from receipt of the letter to send the requested documentation. They have not sent me anything. I want this erroneous account removed from my credit report. What I read in the Fair Credit Reporting Act, the alleged creditor had 30 days to send the requested documents, if they ca n't or do n't, then this is considered an unverified account and must be deleted from my credit reports. It has been over 30 days and XXXX XXXX XXXX has not sent me any documents, as proof that they have the right to place this alleged account on my credit reports. Please make XXXX XXXX XXXX removed this erroneous account from my credit report. The account number listed is 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 2017-10-01
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been getting the run around from Experian regarding inquiries. Experian has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Experian a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. The 5 inquires are XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/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 2019-10-12
Company: Experian Information Solutions 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:
This complaint is in reference to XXXX, Experian and XXXX XXXX. I recently paid off nearly {$5000.00} in credit card debt. The card was never late and the account was paid in full. According to the credit simulator, my score should have increased 55 points, but it only increased 2 on one report and 1 pont on another. While each of the three CBI will argue that the simulator is for educational purposes and every case is different, the practice is misleading and deceptive. On information and belief, my credit scores are being artificially suppressed in an act of retaliation for my complaints. I am seeking the assistance of the State Attorney General.

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 2022-04-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, 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 has violated my rights. 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U. S. C Section 604 A section 2. Its also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, 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, has violated my rights. 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U. S. C Section 604 A section 2. Its also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been getting the run around from Transunion regarding inquiries. Transunion has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done after they made a public statement regarding this issue. I called their customer service number XXXX close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Transunion a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the 3 inquires are : Openend Credit XXXX XXXX, XXXX XXXX XXXX and 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 2020-04-24
Company: West Coast Servicing, Inc.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have start receiving collection notices from West Coast Serving , Inc. This debt that they are asking me to repay was discharged in bankruptcy. I have informed this company of my bankruptcy. This company purchase this account from XXXX XXXX XXXX XXXX XXXX XXXX shortly after I filed a claim with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX finance had violated my right this account is NOT mine. 

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

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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