BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made a payment in XXXX which paid my account in full in XXXX I got a letter certified mail saying that I didn't make the payment and then I was in jeopardy. It cost me so much anxiety and stress and I thought I was going to lose my home because of this letter. How can I send this kind of stuff when I am in full rights of my homeownership and I made my payments how can I scare me and do this to me make me feel as if I didn't fulfill my financial responsibilities. From this letter I received caused me to reach out to my friends and family and acquaintances to borrow money to fulfill my financial obligation but the problem is I already fulfilled my financial obligation and now I look like an XXXX to all my friends everybody knows my financial situation just because this letter was sent to me. I want to speak to somebody who is responsible for sending this letter to me and for me to be able to have rectification. I believe this letter is cost me so much undo stress and anxiety causing me to call for counseling to keep my sanity when I knew I paid and was told I wasn't paying. My example of receiving this letter is like receiving a letter telling you that someone has passed away. I took this information as true because it was certified mail coming to me. It was false information sent to me and I want somebody responsible to reply to me and tell me why would they do this awful unlawful letter. Please someone respond and tell me why they are allowed to do this to me. I paid my mortgage then they said I didn't with a certified letter.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX is reporting that I was 90 days late on 4 different loans in XX/XX/XXXX, though my XXXX payment is on time. 
I have disputed with the company, spoke to reps, mailed letters and to know avail. 
In addition : This account is a billing error. A creditor that fails to comply with the requirements outlined in the fair credit billing act forfeits any right to collect from the Obligor.

This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 Defines a finance charge. I respectfully request your company provide me with the documentary evidence that clarifies this billing error.

I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states Consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d0 and ( e ) of this section.. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I DO NOT consent to furnishing any negative information to any non affiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court input and XXXX my versus Union of 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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXXXXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-04-12
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have contacted XXXX XXXX XXXX  and asked that they update my information and remove this account, it has been paid out but still has a negative affect on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, 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:
I am writing to inform you of a violation of my consumer rights by Equifax. Upon reviewing my credit report, I noticed several hard inquiries that were made without my consent or authorization. Specifically, on XX/XX/XXXX, there was a hard inquiry by XXXX, on XX/XX/XXXX, there was a hard inquiry by XXXX, and on XX/XX/XXXX, there was a hard inquiry by XXXX. 

These hard inquiries were made without my knowledge or consent, and as such, have violated my rights as a consumer. Pursuant to 15 USC 1681a ( 2 ), I have the right to be informed about the nature and scope of the investigation conducted by Equifax. Pursuant to 15 USC 1681a ( 3 ), I have the right to know the sources of information used by Equifax in compiling my credit report. Pursuant to 15 USC 1681a ( 4 ), I have the right to be informed of any person or entity that has received a copy of my credit report within the last year.

Additionally, pursuant to 15 USC 1681a ( b ), Equifax has a duty to ensure that the information in my credit report is accurate, complete, and up-to-date. However, these hard inquiries were made without my knowledge or consent and have resulted in inaccuracies on my credit report. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( i ), Equifax is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in my credit report. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( iii ), Equifax is required to conduct a reinvestigation of any information disputed by a consumer and to modify or remove inaccurate or incomplete information.

Furthermore, pursuant to 15 USC 1681a ( d ) ( 2 ) ( b ), I have the right to request that Equifax reinvestigate the accuracy of the information contained in my credit report. As such, I have already written a letter to Equifax requesting that they investigate the inaccuracies resulting from these unauthorized hard inquiries. 

I am deeply concerned about this violation of my consumer rights and request that the Consumer Financial Protection Bureau take action to ensure that Equifax is held accountable for their actions and fully deletes the hard inquiries that are reporting inaccurately. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, 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:
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. XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Opened Date XX/XX/XXXX Balance {$4600.00}, XXXXXXXX XXXX XXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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 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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX Account Number : XXXX 2. XXXX XXXX XXXX  Account Number : 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 2023-04-12
Company: EQUIFAX, INC.
State: PA
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 name is XXXX 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
Consumer complaint received 2023-03-01
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to express my deep concern regarding the unethical practices of Persolve , LLC, and the failure of XXXX, XXXX, and XXXX to address fraudulent collections on my credit report. 

In XXXX, my identity was stolen and several accounts were opened using my information, including a {$25000.00} loan and a credit card with a balance of {$5000.00}. Upon discovering the fraud, I promptly contacted the issuing bank XXXX XXXX XXXX ) and was assured that the debt would be cleared. 

In XXXX, I began receiving calls and letters from Persolve LLC demanding payment for this fraudulent debt. Despite providing proof that the debt was not mine, they refused to remove it from my credit report. As a result, I was denied refinancing for my home, student loans for my daughter 's education, and personal credit cards. As a XXXX  of a company, I was also unable to obtain a corporate card or small business loan, despite our company 's earnings of over {>= $1,000,000} per year. 

I have made numerous attempts to dispute the fraudulent collection with XXXX, XXXX, and XXXX, but they have failed to take any action to remove it from my credit report. Despite providing evidence of my identity theft, Persolve LLC has continued to claim that the debt is mine and has refused to remove it from my credit report. 

In XX/XX/XXXX, I hired a lawyer and paid {$3000.00} to resolve this issue, but Persolve LLC still refuses to cooperate. The credit bureaus should be penalized for not listening to consumers and failing to adequately address fraudulent collections on credit reports. I have lost over {$120000.00} due to their inaction, which has prevented me from accessing my home equity and obtaining credit for my personal and business needs. I have now been forced to sell my home to access the {$350000.00} in equity in my home. 

I implore the CFPB to investigate the unethical practices of Persolve LLC and the failure of XXXX, XXXX, and XXXX to address fraudulent collections on credit reports. These companies should be held accountable for their actions and penalized accordingly. I hope the CFPB will take swift action to address this issue and prevent other consumers from experiencing the same financial hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX/ Account Number : XXXX Please remove it from my credit report.

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 2022-12-01
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$1700.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$6000.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, Highest Balance {$1700.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$4100.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$2000.00} ), XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$5000.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$4500.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$1000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-12-01
Company: EQUIFAX, INC.
State: NY
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 sent a letter to the company, Equifax, to resolve the errors on my account, and if they were proven accurate to verify the information. The company, Equifax, did not do anything to resolve those errors and were unable to prove the accuracy of the items I am disputing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: PNC Bank N.A.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I XXXX  " best student loan interest rates '' and came across a website that listed various student loan providers and a range of interest rates that they offer. PNC had a link that said something along the lines of " see what my rate would be, '' and I clicked on the link because I wanted to know what rate I could get on a student loan before formally applying for the loan. 

The link brought me to PNC 's website where it asked me personal information about XXXX wife, and I thought I needed to enter said information in to see what rate I could get on a student loan ( my wife was the borrower and I was the co-signer. ) Unbeknownst to me, the website PNC brought me to was a full on student loan application. I feel very misled as I thought I was filling out an application to see what my rate would be, but instead, was filling out an actual loan application. Not only is a " see what my rate would be '' link that is actually a link to the loan application misleading, but my wife and I 's credit score were dinged because PNC hard pulled both of our credit scores, even though I had no intention of applying or a loan ( unless the rate they would offer me was low enough. ) I'm very frustrated at how I was mislead to believe I was checking out what rate I could receive, when in reality I was applying for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief