BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a formal complaint that XXXX, XXXX and Equifax are reporting inaccurate and incomplete information on my credit report. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. The notation of the following late payments is INACCURATE. I have notified each bureau in writing about the inaccuracy of information in my credit file. Under FEDERAL LAW the credit bureau must modify or remove inaccurate or incomplete information. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance, whether reported or not. 

Account : Dept. of Education/XXXX Account XXXX : XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number : ( XXXX ) XXXX For reference : All 16 accounts, the creditor reported XXXX XXXX " Current/Terms met '' ; XXXX XXXX " Past due 90 days ''. This is impossible and therefore inaccurate!!!! These INACCURATE accounts should not be furnished on my consumer report as they are in VIOLATION!! 

Please update all payment history for these accounts to XXXX  status ( Paid As Agreed, Never Late ) according to consumer protection laws or delete from credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: AL
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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
Company: PNC Bank N.A.
State: TX
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: Was not notified of investigation status or results

Complaint:
I sent a certified letter to XXXX and XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX about 3 accounts on their reports to validate and to update my personal information Back in XX/XX/2022 in which the 3 accounts were showing as being charged off back in XXXX. Shorty after reviewing my credit report after. The 3 accounts are now showing back up on my credit as open and active. XXXX very disappointed about the inconsistency of the reports that are now showing up on my credit reports. The account and account numbers are listed below. XXXX XXXX XXXXXXXX Account # XXXX charge off date XX/XX/2022 XXXX XXXX Accout # XXXX charge off date XX/XX/2022 XXXX  XXXX  partial account # XXXX Charge off date XX/XX/2022 However I wasnt notified of the status being updated from being charged off to being active again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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:
Under the provisions of the Fair Credit Reporting Act, I assert that the list of accounts mentioned below has infringed upon my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681. 

1. Account name : Bankruptcy # XXXX In line with the Engelhardt v. Gravens ( Mo ) 281 SW 715,719 case and the doctrine of estoppel by silence, it can be reasonably deduced that the lack of evidence presented by me suggests the absence of the alleged debt.

According to the US Bankruptcy Court, it has been established that they do not report or furnish information to credit bureaus or agencies.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
For more than 8 months ago submitting letters of dispute and any of the 3 credit bureaus are proper answering

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX, XXXX ; XXXX XXXX CT XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2023-09-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
In XXXX of 2022 I contacted PennyMac to ask about the possibility of refinancing my mortgage. After working with a loan officer I decided to proceed as I thought the new terms were favorable and the new estimated monthly payment was reasonable. I still have the closing disclosure and it states that my new monthly payment would be {$1800.00}, after paying {$8500.00} in closing costs. So, I decided to refinance my mortgage. Unfortunately, I was notified after an escrow analysis that my new monthly payment would be roughly {$2400.00} which is an increase of about {$600.00}. I contacted Pennymac and advised that I was extremely surprised and concerned about this increase. Pennymac told me that during the closing process they only accounted for half of my estimated taxes which greatly affects the monthly payment and that the best they can do is offer a {$1500.00} credit to assist in the shortage in my escrow as well as spreading out the new increase in cost over several months. I advised that this was a gross miscalculation and if i had the knowledge and transparency of my monthly payment before i finalized the refinance I would not have followed through with it as this is unaffordable for me. I was told that nothing more can be done. Overall, I feel cheated and misled. This increase greatly affects my ability to make my mortgage payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: TN
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:
Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX XXXX  Account XXXX XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX  Account 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 an or my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: NV
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( 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. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Filing Claim for Legal and lawful remedy I am writing to file a complaint regarding inaccurate and misleading information on my credit report, in accordance with consumer protection regulations and the relevant provisions outlined in the Consumer Financial Protection Bureau ( CFPB ) rules and United States codes. 

I have obtained a copy of my credit report from your bureau, dated [ date of credit report ]. Upon careful review, I have identified multiple errors and discrepancies that are negatively impacting my creditworthiness. I request your immediate attention and assistance in rectifying the following issues : 1. [ reporting errors. ] 15 usc 1681s-2. 

This error violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ) that states that credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of the information in their credit report.

2. [ reported incorrect information. ] This error also violates the FCRA and the CFPB Regulation V ( 12 CFR 1022.43 ), which requires accurate reporting and investigation of disputed information. 

I demand the following actions to be taken promptly to rectify these errors and restore the accuracy of my credit report : 1. Conduct a thorough investigation into each disputed item and promptly correct or remove any inaccurate or unverifiable information from my credit report, as required by FCRA Section 611 ( a ) ( 1 ) ( A ).

2. Provide me with written notification of the results of the investigation, including any changes made to my credit report, within the statutory time frame of 30 days, as stipulated in FCRA Section 611 ( a ) ( 1 ) ( C ).

3. Cease the reporting of any disputed information to third parties while the investigation is ongoing, in compliance with FCRA Section 611 ( a ) ( 2 ).

4. Update my credit report to accurately reflect the changes made as a result of the investigation, as mandated by FCRA Section 611 ( a ) ( 2 ) ( B ).

Failure to comply with the aforementioned provisions of the FCRA and CFPB regulations may result in legal action and damages sought under FCRA Section 616 and Section 617.

I kindly request your prompt attention to this matter. Please provide me with a written response acknowledging the receipt of this complaint within 15 days from the date of this letter. You may reach me at the contact information provided above. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution of these credit report discrepancies. 

Sincerely

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 2023-06-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXXXXXX XXXX XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; US DEPT ED XXXXBalance Owed : {$4000.00} ; US DEPT ED XXXX Balance Owed : {$3000.00} ; XXXX XXXXBalance Owed : {$6400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ; XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} ; DEPTEDXXXX  XXXX Balance Owed : {$0.00} ; XXXX 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 2023-06-24
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/2023, I received verification from the XXXX investigation that the accounts mentioned below were reporting accurately. I have attached all documents and circled the inaccuracies. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-24
Company: EQUIFAX, INC.
State: IL
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:
Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX, DC XXXX To Whom It May Concern : CFPB, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and EQUIFAX. 
I am writing to you today to file a complaint regarding the handling of my disputes with XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and EQUIFAX. I have been disputing the following inaccurate information on my credit report for over 30 days, and XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and EQUIFAX. has not yet completed their investigation :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX 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 2023-06-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am complaining to you that I am not satisfied to the job of the 3 credit bureaus to remove these fraudulent items yet they seemed to delay. Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. The following items should be remove right away : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX MO XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX BANK XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
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: Information belongs to someone else

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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