BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2019-01-07
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: Their investigation did not fix an error on your report

Complaint:
I had an XXXX XXXX that was sent to collection in error. I fought back and forth with XXXX XXXX and XXXX to make sure this error on XXXX XXXX  part did not adversely affect my credit score. I was assured it would not. Once the error was corrected I paid off my balance with XXXX. Now I am being hurt by over 50 points on my credit score because this account is showing up on my Experian and XXXX  reports. This is causing me to not be able to get my home loan that I have been working so hard to get. Currently my family is XXXX  and we are living with my in laws because we were expected to have our home loan funded by this time, but now because this account is reporting we are not able to obtain financing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Collection and Derogatory Remark - False Information Dear Equifax, I am writing to dispute a collection and derogatory remark that is currently appearing on my credit report. The inaccurate information in question relates to an account held by XXXX XXXX XXXX. The details of the account are as follows : Creditor : XXXX XXXX XXXX Date of Collection : XXXX Upon reviewing my credit report, I discovered that the collection and derogatory remark attributed to XXXX XXXX XXXX is erroneous and should not be listed on my credit profile. This false information is not only damaging my creditworthiness, but it also violates my rights under the Fair Credit Reporting Act ( FCRA ) Section 604, which mandates accurate reporting by credit reporting agencies. 



I kindly request that Equifax thoroughly investigate this matter and take the necessary steps to rectify the situation promptly. Specifically, I request the following resolution : 1. Fast Removal of the Collection : I urge Equifax to remove the collection account associated with XXXX XXXX XXXX from my credit report as soon as possible. Given the false nature of this information, its continued presence on my report is detrimental to my financial well-being and creditworthiness. 



2. Fast Removal of the Derogatory Remark : Equifax should also eliminate the derogatory remark linked to XXXX XXXX XXXX from my credit report. This remark unfairly tarnishes my credit history and misrepresents my financial responsibility. 



I understand that, according to FCRA Section 611 ( a ) ( 5 ) ( A ), Equifax has 30 days to investigate and respond to my dispute. It is my sincere hope that this matter can be resolved swiftly, ensuring the accuracy and fairness of my credit report. 



In addition to this written communication, I have attached copies of supporting documents that validate my claim and provide evidence of the false information. Please review these materials carefully as part of your investigation. 



I expect regular updates regarding the progress of my dispute and request written confirmation once the investigation is complete. Moreover, I would appreciate receiving a revised copy of my credit report reflecting the removal of the collection and derogatory remark from XXXX XXXX XXXX. 



Thank you for your immediate attention to this matter. I trust that Equifax will handle my dispute with the utmost professionalism and resolve the issue in a timely manner. Please do not hesitate to contact me if any further information is required. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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 2019-01-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've called and mailed the bureaus and asked to have the info corrected. The problem is still here. I can not pull up or see my credit report nor my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Mercedes Benz Financial Services
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Date Opened : XX/XX/19 Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX claims I have a loan with them for which I did not apply. They are claiming that I owe them the first payment of {$350.00} due XX/XX/XXXX. I have never received funds from this company. 

when I called to inquire, they asked for my date of birth and I foolishly gave it to them. They then put me on hold because they had to correct the date in their system so that they could bring up my account. They said they would call me back when they bring up my account from phone number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage debt my account too many times via ACH withdrawal. When the transaction didn't process they didn't credit my account correctly. The whole account system is screwed up. They don't even know how to correct an error even after Identifying the mistake they made. Their online service is not a true reflection of how your payments are made. They make changes to best fit their wishes. Undertrained employees to process loan payments. They should not be allowed to service most people 's largest investment.

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 2022-01-07
Company: Experian Information Solutions Inc.
State: AL
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the refinancing process in XX/XX/2020 and I've been put off and pushed back so many times I've had to always reach out to the company to find out where my loan is nobody 's never made contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Prosper Marketplace, 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 status incorrect

Complaint:
Prosper has agrees to settle my account and has been deducting payments from my bank since XX/XX/2017. They are still sending delinquent notices and reporting to the credit bureau incorrectly. I have contacted and emailed them and the problem still has not been fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and at Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! I have talked to the banks and they approved to DELETE these accounts from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX  XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are in the process of closing on a house. We have excellent credit scores and are putting 20 % down. After meeting all of the conditions stated in our conditional approval the bank went to schedule an appraisal. The first appraisal was ordered on XX/XX/XXXX to be returned on XXXX XXXX. It was cancelled by the appraiser. A second appraisal was scheduled for XX/XX/XXXX. It was cancelled by the bank. A third appraisal request went out XX/XX/XXXX but we did not see a scheduled date as it cancelled almost immediately by the bank. A fourth appraisal request went out at XXXX XXXX XXXX XXXX. We talked to the appraiser on the phone at XXXX XXXX. He stated that he accepted the job at XXXX XXXX  on XX/XX/XXXX and it was cancelled before XXXX XXXX by the bank. Prior to starting the appraisal process we had no issues with the approval process. However, we corrected our loan application around XX/XX/XXXX to update one of the loan applicants race information to XXXX as it was previously noted that all applicants were white. Shortly thereafter we started to notice issues with getting our appraisal done with the bank constantly cancelling the appraisal orders. The bank is refusing to approve the loan without an appraisal even though all applicants have strong credit scores, no missed payments in their financial records, and are putting a 20 % down payment on the house which is a single address ( one household ). We have repeatedly called and emailed the loan officer and rest of the team at the bank requesting updates since we were made aware of the issues with the appraisal on XX/XX/XXXX. Additionally, we received a call on XXXX XXXX from one of the bank processing officers that our loan was on track. We asked about the XX/XX/XXXX appraisal and were told it was still on. However, the sellers realtor had talked to the appraiser and it had already been cancelled before XXXX XXXX. The loan officer at the bank claimed she first heard of the cancellation on XXXX XXXX. We emailed the loan officer on XX/XX/XXXX and she responded that she would have her manager call us with an update from a senior management official at the bank. The manager did not call on XX/XX/XXXX so we emailed the loan officer again. Two minutes later we received a call from someone who handles missed mortgage payments who knew nothing about our loan application and said they did not handle that area. We do not know for sure, but believe that race may have played a part in our difficultly in closing the loan. PNC Bank is stating that our closing date is XX/XX/XXXX. They moved our closing date prior to us even getting an addendum to our purchase agreement, when the loan officer stated that they could meet the XX/XX/XXXX close date. We have consistently told the bank that we will lose the property and that we are in the dark. No one has provided us with answers or a solution to our issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 did not consent to this account or did i gain any financial gain from this account.

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 2021-09-07
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In light of my new understanding of consumer laws, I've discovered that Mohela is in violation of the law when it comes to my consumer report. They are in violation of the following US Codes : 15 U.S. Code 1681 ( 2 ) ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 1681 ( 2 ) ( iii ) : communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( No disclosures were given ) 15 U.S. Code 6802 ( b ) ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( I was never given the option to Opt-Out )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Westlake Services, LLC
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 information incorrect

Complaint:
On XX/XX/XXXX I called Westlake Financial Services about a contract they have listed on my credit report. I asked them could they send the original contract because the car they listed in the credit report was from Pelican Auto Finance. They told me that they brought they contract because Pelican went out of business. I asked them could they send documents. They agreed however, they sent over somebody named XXXX XXXX bill if sale. 

On XX/XX/XXXX I called again asking for the same information and was told they will get in contact with the back office again and they will try again. They was able to send the payment history. Inside the payment history shows that they picked up the loan XXXX XXXX and on the XXXX of XXXX was hit with late payments and interest fee but a payment was made in the XXXX which is when I normally payed Pelican Auto Financed company. I asked them can they send the payment records from Pelican it looks like the payments started over as if I did not pay Pelican Auto which I had for at least a year and they cant produce it. 

The payment history they sent shows that they charged off the the car off for XXXX.But thats not the amount thats reporting on my credit report. I disputed with all three credit reports and they keep updating inaccurate information. 

However they sold the car in XXXX so I doNt understand how they are still charging repossessing fees for XXXX and XXXX along with payments and they had the car since XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with monetary relief