BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit bureaus have stated that my accounts were properly investigated. This is not possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This constitutes grounds for removal. The following List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX BANK Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX BANK Account # XXXX, has violated my rights. 
US DEPT OF EDUCATION Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A : Which states I have a right to privacy.

15 U.S.C 1681 Section 604 A sec. 2 : Which states that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) 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 crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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 2022-05-29
Company: PNC Bank N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
hello i owe debt to a bank which is named pnc bank it was a negative balance in my account that i did not owe they closed my account down with a negative balance in there and said i owed it i owe no balance i only just got pnc in XXXX i feel as if maybe somebody tried to get into my pnc and use money that was not mines or didnt belong to me therefore isnt my debt at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: HCFS Healthcare Financial Services of TeamHealth
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: Was not notified of investigation status or results

Complaint:
A certified letter was sent to ARS ACCOUNT RESOLUTION on XXXX ( United States XXXX XXXX display " delivered '' from a company representative on XXXX at XXXX am ; Tracking # XXXX XXXX XXXX XXXX XXXX ) displaying their Violations of Fair Credit Reporting Acts. ARS ACCOUNT RESOLUTION has ignored the complaint, failed to respond and failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: NJ
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:
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 In accordance with the Fair Credit Reporting act XXXX  these companies below have violated my rights : XXXX XXXX XXXX # XXXX Has violated my rights XXXX XXXX XXXX  # XXXX. Has violated my rights ONLINE INFORMATION SER # XXXX Has violated rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions 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:
On XX/XX/22 I spoke to a XXXX rep about incorrect personal information and 4 fraud accounts XXXX XXXX XXXX {$740.00} ref # XXXX XXXX XXXX XXXX {$5000.00} ref # XXXX XXXX {$940.00} ref # XXXX XXXX $ -- ref # XXXX I was assured it would be immediately taken off, so I followed up after checking my credit report seeing it was not removed. 
On XX/XX/22 I called XXXX got to a supervisor, where we went over the incorrect personal information and 4 accounts that were still reporting. The supervisor was very unprofessional and told me they never received any call from me. She said that I had no recourse and would have to go through the civil court system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA 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 2023-09-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-10-25
Company: Experian Information Solutions 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:
please investigate and remove negative info enclosed

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 2022-06-26
Company: EQUIFAX, INC.
State: TN
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:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX / XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
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:
There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I contacted Experian, XXXX, and XXXX on XX/XX/2023 requesting they provide me proof of my written permission or instructions for the identified transactions to be reported on my consumer report which includes XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AND XXXX XXXX XXXX. This is a violation of FCRA 15 USC 1681b ( 2 ). Additionally, I also notified Experian, XXXX and XXXX on XX/XX/2023, of my request that the reporting of this information be blocked and deleted. Again their refusal to block this information is also a violation of my rights under FCRA15 USC 1681c-2. I also notified Experian, XXXX, and XXXX my request to block is not being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

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 2022-07-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this was repeated more then once I had to contact the police department because I was not the person that used my identity doing that time ..one of the rooms of my must been using my identity I not sure... 

I am writing to ask for the following be deleted in my file that is listed I am victim of identity theft and did not make the change .I ask that the times be deleted tp correct my credit report the theft of the my identity to federal trade commission and I also have enclosed copies of federal trade commission identity theft affidavit .please deleted the items soon

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 2022-09-20
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Im sending a letter demanding {$1000.00} for each remaining item XXXX leaves on my credit report. If these items are not removed I will be going ahead with my FCRA lawsuit. I have given XXXX many opportunities to delete this information but now I am left with no choice. An automated computer response will not suffice as an answer. I want a real response from a human being

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 2022-06-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I can't get in front of the interest payments and at the current rate, I will continue to overpay the loan approved. I have made payments for longer than a year and I still have a {$3900.00} balance on a {$4800.00} credit. I am not attempting to get out of any responsibility to pay, but the interest payment every month will never address the principal and I will be upside down unless I pay it off in full.

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 2023-09-15
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have tried to contact EdFinancial Every day for the week of XX/XX/XXXX through XX/XX/2023. They continue to say they will call me back and save my number in line. I have yet to receive a call back in five days. Second, I had submitted twice now, loan deferment papers because I am a full-time student. Both times when I go into the system it says my papers are not in there even though they have given me confirmation of submission when I submitted. XXXX, XXXX XXXX  does not start till XX/XX/XXXX yet they are trying to charge me a payment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions 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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a Consumer complaint XX/XX/2023 in regards to an account that is reporting XXXX separate times on my credit report with different information of each of the reports. I submitted documentation proving my points. 
The account in reference is the XXXX XXXX XXXX XXXX  XXXX for an amount of {$740.00}. 
Ive submitted my dissatisfaction multiple times and the hinderance that the inaccuracies that are being reported is affecting my ability to pursue futhur in life.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2022-06-26
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for Mortgage Assistance after our forebearance plan ended, due to us being able to both go back to work and afford the mortgage again. This was the only option we got from the bank was to file the Mortgage Assistance application and not just add the back to our loan and continue to pay what we could. Our first application was denied. We quickly sent in another application. From this application we were given verbal confirmation, with a confirmation code on XX/XX/2022. We were to start out mortgage payments in XXXX with the loan modification we had the confirmation number too. We made a payment in XX/XX/2022, a few days later we received a letter telling us our application was denied on XX/XX/2022. We called them right away and they let us know they put us into foreclosure, seeing as they denied our application. We asked the bank to appeal the decision and filed a XXXX complaint on XX/XX/XXXX and XX/XX/XXXX. The complaint and appeal were filed XX/XX/XXXX. We have since, started a new Application for Assistance on XX/XX/2022 and have yet to hear back from them if they need anymore information, but this is the third time we have filed for assistance with no reasoning as to why we are being denied, until we are already denied. We have been calling USBANK at least twice a week for the last 4 months, minus the month of XXXX ( since we had the confirmation of our loan medication ). XX/XX/2022 we received our complaint back, saying that they sent out a letter asking for additional information on XX/XX/XXXX, which we have stated on every phone call we had not received that document and no one called us asking for more information. We have had XXXX people at USBANK say they would send us that letter for the last month and we still have yet to receive that letter. That letter from XX/XX/XXXX was also supposed to be enclosed in the complaint packet, which it was not. We have applied and called and no one seems to want to work with us, we can afford to pay our mortgage again and are working effortlessly to make that happen with no help from USBANK on their end.

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 2023-10-24
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:
My credit report was impacted by XXXX date Breach and false information sold and was report to 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