BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: Aqua Finance, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Attempted to dispute account through the credit bureaus. Account is showing completely different info on each of my credit reports. 
FTC requires per FDPCA info needs to be reported accurately. Reported to XXXX and XXXX as a XXXX XXXX XXXX and XXXX shows Collection. There is also a monthly payment of {$87.00} showing on XXXX while no monthly payment for XXXX and XXXX. Date opened for XXXX and XXXX show XX/XX/XXXX and XXXX show XX/XX/XXXX. All 3 credit bureaus show different high credit amounts. XXXX shows : {$8000.00} ; XXXX shows : {$7000.00} and XXXX shows : {$5700.00}. Credit limit on XXXX show : {$7000.00} and XXXX and XXXX show : {$0.00}. XXXX and XXXX show Collection as Payment Status while XXXX shows 120 days late. Date last active show XXXX completely different dates, XXXX shows : XX/XX/XXXX, XXXX shows : XX/XX/XXXX and XXXX shows : XX/XX/XXXX. Also account was recorded as a XXXX  from XX/XX/XXXX - XX/XX/XXXX, XXXX shows XXXX XXXX XX/XX/XXXX XXXX XXXXo info for XX/XX/XXXX then XXXX XXXX XXXX XXXX  no info for XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX XXXX XXXXo info for XX/XX/XXXX. XXXX shows absolutely no Credit history. This account is having detrimental effect on my credit and is reporting inaccurately. Therefore account needs to be removed from each of the three credit bureaus : XXXX, XXXX and XXXX to avoid being in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : account # 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 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 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Incorrect information on numerous accounts are still showing up in my consumer profile. I've sent in numerous complaints and the information is still not being update or removed. All XXXX credit reporting companies do not respond to certified mail nor properly handle calls. I have recorded calls and conversations with these companies on how they mistreat my personal information and me as a consumer. I have fraud alerts that have been ignored as well by these companies and my personal information is being sold for their profit and gain. I want all late payments reporting negatively amongst all XXXX credit reporting companies, Experian, XXXX and XXXX to be removed asap! I have supporting documents that's been mailed certified to all XXXX companies that have been ignored for almost 2 years now. My next step will be seeking leg action and compensation from active parties including the CFPB.

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 2023-03-17
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a va loan through pennymac mortgage. For the past 6 months since the covid 19 benefits have started to be taken away, the forbearance plan that my house is in since XX/XX/XXXX, is set to end on XX/XX/XXXX of this year. I separated from the XXXX in XX/XX/XXXX and I started working out of state in Texas. My home is located in XXXX Mississippi, unfortunately this out of state working has cost me more money and I have taken a significant pay cut since I left the XXXX. 

When covid hit, I put my home in forbearance and haven't had the money to be able to make a payment for the entirety of the plan. For the past 6 months pennymac has been contacting me through an automated phone service. I applied for a mortgage assistance plan with the basis of it stating that I wanted to extend my mortgage out and bring my loan current so the payments could lower. 

They recently told me, for the first and only time that I was called by a human, that my application for modification was denied. Because of insufficient cash flow. Which was the entire reason I submitted the application in the first place. I can not for the life of me get ahold of an actual person at pennymac or anyone on my point of contact team. The numbers they list on their website either don't work or never get to an actual person. 

I'm sorry that this complaint is so long but this has been unbelievably frustrating not being able to get any kind of help from the company that promised to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: NY
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 non-monetary relief
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
There is information on my Consumer report that I did not provide written permission or instructions for identified transactions to be reported on my consumer report. Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) - Permissible purposes for consumer reports ; In general ; In accordance with written instructions of the consumer to whom it relates. 
XXXX and Transunion are in violation of the Fair Credit Reporting Act. In addition to 15 U.S.C. 1681c- Requirements relating to information contained in consumer reports ; No adverse item besides the conviction of crimes should be on your report, any item that is derogatory mark is not allowed into consumer reports, that is another violation.

12 C.F.R. 1022.3 defines Identity Theft as fraud committed or attempted using identifying information of another person without authority. According to the Fair Credit Reporting Act 15 U.S.C. 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' rights to privacy. '' XXXX and Transunion are a consumer reporting agency, and I am the consumer. I have the right to make sure my private information is not shared, which is backed by 15 U.S.C. 6801- " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ' As of XX/XX/, there is an Auto Loan, Unmailable addresses and phone numbers on my report that are unauthorized by XXXX and Transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: NJ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$4300.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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 submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. I submitted a complaint again last XX/XX/2023 but was closed immediately. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: FL
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:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX XXXX XXXX : {$270.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: GA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have contacted Huntington Bank on several occasions for purposes of an Arbitration I have started against them. XXXX  REF : XXXX XXXX VS HUNTINGTON NATIONAL BANK. I will not include the complaint for it has been sent several times as has XXXX been trying to contact Huntington with no response. Second notice from XXXX   attached. If there was some error me calling legal 's number at XXXX and leaving no less than 4 or more voice messages all unanswered or returned - stating this is the legal dept on the greeting. 

I am tired of no response for near two months. I went so far as two approx. two weeks ago go into a branch and have my notice of  arbitration emailed to legal by a XXXX XXXX XXXX. Card attached. 

I want to make it clear you are in violation of your arbitration agreement on deposits accounts not taking the arbitration and responding as a respondent. I feel this should be a strike against the bank for future arbitration 's with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11
Company: I.Q. DATA INTERNATIONAL, INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2019 XXXX EST - Returned call to Iq Data International - Informed that debt was owed by " XXXX XXXX '' - Requested debt verification letter regarding details, but " XXXX XXXX '' persistent that debt be paid immediately, prior to office closing at XXXX PST. Agreed to phone call return in 30 minutes. Stated that letter was sent to erroneous address on XX/XX/2019 and that they would sent to corrected address - Phone call made and then transferred to manager " XXXX XXXX '', requested receiving debt verification letter prior to acting on alleged debt citing " Fair Debt Collection Practices Act '', *audio recording available. 
- Aggressive response stating that by not paying debt at time of phone call, despite not receiving above letter, that he would mark encounter as refusing to pay, and would start making marks against credit score, lasting up to 7 years, and that when the debt was settled the marks against credit score would not go away.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-03-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation