BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I wrote to the creditors above requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from any of them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting act Convergent Accounts XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX/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 account without my written instructions

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 2020-03-10
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: Credit inquiries on your report that you don't recognize

Complaint:
Customer could not help me remove any of these hard inquiries i'm willing too list down blow that was inactive on my credit report. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX   XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : 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 2015-09-05
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Experian has been charging me {$29.00} for the past 8 months for a service I neither requested nor have been provided. The dates of the charges are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Because of these spurious charges, I have also incurred {$170.00} in overdraft fees at my bank. When contacted about this, Experian merely agreed to close this " account ''. I believe this " account '' is now closed, but I have not been sent any of the reports they charged me for, nor do I want these reports. I have the bank statements showing the charges, but am uncomfortable loading them here. Experian 's method of doing business is underhanded and wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an item on my Equifax report that is not mine. It is a debt from XXXX XXXX XXXX XXXX. This debt is not mine and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: JPMORGAN CHASE & CO.
State: IN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not know this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking account with PNC Bank with a coupon. According to the terms, I can get {$300.00} bonus if I fulfill the requirements ( complete XXXX debit card transactions, receive direct deposit totaling XXXX, etc ). I completed the requirements before the deadline however I didn't receive the bonus. I called PNC customer service, although they acknowledge that I should have received it and promised me they would open a ticket to investigate the case, I never heard back from them nor did I receive the bonus. I called them yesterday, the customer agent then told me he couldn't find any case in the system and he couldn't help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I wrote to the creditors above requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from any of them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, 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 account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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:
I submitted a letter to Equifax on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXXXXXX XXXX XXXX : {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: Halsted Financial Services, LLC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I already disputed my debt with the previous Debt collector, XXXX XXXX who represented XXXX XXXX XXXX XXXX, the original creditor through cfpb in XXXX for failure to provide evidence that I owe such debt. On XX/XX/XXXX, I received a letter from Haltsted Financial Serivces, LLC, reference number XXXX, claiming that I owe XXXX XXXX XXXX XXXX, Reference Number XXXX. Haltstead Financial Services, LLC claims that I owe {$1200.00} to XXXX XXXX XXXX and that they will discount 50 % off the amount if I choose to pay before XXXX/XXXX/XXXX. They also claim that they tried to contact me by mail but I never received such notice until now. This is the second time XXXX XXXX XXXX has share my name, social security and private information to debt collecting agencies. They are harassing me for a debt that I never owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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:
In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/XXXX I sent a certified request to Transunion disputing the inaccurate reporting on my report from XXXX. Transunion updated my report and removed the inaccurate information in XX/XX/XXXX. However, I have noticed AGAIN, Transunion has allowed for the false reporting. 

I am requesting the removal of the derogatory reporting from US Department of Education XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX. 

According to the correspondence from XXXX, XXXX began servicing a XXXX XXXX on XX/XX/XXXX which is and has always been in good standing. However, according to the credit bureau Transunion, XXXX continues to falsely report servicing my loan effective XXXX, with negative reporting in XXXX, XXXX and XXXX. 

I have enclosed a copy the letter from XXXX, to me regarding said loan, and unless you can provide valid proof to support otherwise, I request that you immediately cease and desist inaccurate reporting practices and delete the false information outlined in this document form my credit report immediately.

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 2015-08-18
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a Internal Revenue Service Federal Tax Lien listed on my credit report. I requested and was granted a Withdrawal of this Tax Lien XXXX XXXX, 2013. This form Federal Tax Form XXXX A has been on file with XXXX XXXX Nevada since XXXX XXXX, 2013. I have now requested on XXXX separate occasions in writing to Equifax that they re-verify and remove this Tax Lien from my credit report as it has been withdrawn. Each time I have sent them both exact information on where to locate the online filing as well as a copy of the form itself and each time they have come back having clearly done no research and said " We have reviewed the lien information. '' and that the Tax Lien shows as released which has been the status they 've shown for the last XXXX years. A simple and quick check at the XXXX XXXX site shows that the Withdrawal is on file - XXXX. My husband also had the lien on his credit report and while it took XXXX letters to Equifax to get it removed they did properly remove it for him. Nothing I do seems to get their attention to do their job and actually look at the Withdrawal, then properly remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-28
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:
I 've repeatedly requested that   XXXX   and Transunion correct my credit report related to the  XXXX   XXXX  Account. This account was paid-off as agreed on  XXXX   XXXX ,  XXXX  ( see attached documents ). However,   XXXX   still reflects and inaccurate collection status in  XXXX  of  XXXX , in  accurate written off $ amount/status, and an inaccurate " Date Opened ''. Transunion still reflects an inaccurate Charge Off amount, inaccurate Date Closed, and Terms. Regardless of the evidence I present, the account has been reporting now inaccurately for almost two years.
As a result of the above, this account continues to damage my credit score with inaccurate reporting by  XXXX  and Transunion and preventing me from securing a refinance on my mortgage.
I respectfully request that this account be DELETED immediately per the Fair Credit Act.
Thank for your assistance in 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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed a copy of my credit report and I noticed two fraudulent/unauthorized hard inquiries that needs to be removed from my credit report. The inquiries to be removed are listed below and I will also like to add that I was a victim of the XXXX  XXXX data breach. 

1. XXXX XXXXXXXX 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 2022-07-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX XXXX : {$6600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I Recognized fraud inquiries on my account, and would like them removed. I have filed complaint with Identitytheft.gov and have recieved FTC report. The following inquiries are from equifax, and XXXX. 

Equifax : XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
After our home was fully remodeled after the XXXX XXXX in North Carolina, we listed our home for sale. We could not afford the second mortgage, we're a military family and we were renting the home until the hurricane hit. When we tried to sell the home, we realized we would need more than $ 11k at closing so we proceeded with a short sale. During that time Freedom Mortgage sent a preservation company to the home to mow the lawn. While mowing the lawn they busted the water spigot on the back side of the house which caused water to leak inside the home for almost XXXX weeks before the appraiser from Freedom Mortgage arrived and alerted my real estate agent. The home was under contract with a short sale and during this time the home was vacant as we were waiting on the appraisal to move forward with the sale. This happened in XX/XX/XXXX and as of today, XX/XX/XXXX the damage has not been repaired. We can not rent, sell or live in the home due to the excessive damage and mold. We had another cash offer on the home after the buyer backed out and the VA denied the cash offer because as they stated, Freedom Mortgage is responsible for the damages and filing a claim to have the home repaired and back to the condition it was in prior to the water damage. We are being forced into foreclosure as we have no other option at this point. We have gone around and around with Freedom Mortgage, and the VA. My last conversation with the VA I was told to walk away. I do not think it is fair to us as the home owners to be forced into this situation when it was not our fault. We are taking the hit financially and even harder on our credit.

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 2022-03-17
Company: Experian Information Solutions 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:
Over the course of 30 days. I have filed a dispute in regards to inaccurate and false information on my credit report. My first dispute was XX/XX/XXXX. Experian, is still reporting these incorrect items. According to the fair credit ACT, section 609 ( a ) ( 1 ) ( A ) they are required by Federal Law to only report Accurate information and the have not done so. They have not provided me with any proof i.e. and original consumer contract with my signature on it proving that this is my account. Further more Ive provided an FTC report showing this account is opened without my consent, proof that XXXX has removed this fraudulent account on XX/XX/XXXX, and a credit report that shows only Experian Credit Bureau reporting this fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
The complaint is mostly directed toward Equifax. Financial institutions are aware that they can now make their credit decisions by utilizing just XXXX reporting agency. Equifax historically tends to report the lowest scores and are therefore favored by companies and/or financial institutions when the companies utilize just XXXX score. Additionally, Equifax tend not to update their records to adequately support improvements in the consumer 's credit status and will do so then mostly on a case by case situation when challenged by the consumer. There should be updating and review prior to Equifax sending out information for each new credit report request. Equifax puts this burden totally on the consumer after they have provided their information to the requester. 

While the other reporting agencies tend to give a more objective credit report, those companies utilizing reports from XXXX credit reporting agencies tended to temper or balance the reporting process. However on the other hand, agencies who are more discriminating tend to rely soley on Equifax, which gives Equifax an unfair business advantage relative to other credit reporting agencies. Therefore, implementing a requirement to either use the average of XXXX scores or the median of several credit scores should be revisited. This will address the issue reported herein and not allow XXXX credit bureau to dominate. 

Finally, the company does not have a user friendly communications system in place for the individuals that they maintain data on to contact and dispute information. This system should be improved and not frustrate consumers in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX has informed me that they are excited to let me know that they have received the Initial Approval on my loan to refinance. They included in mortgage documents an XXXX XXXX XXXX credit score and the price I pay for credit sheet dated XXXX/XXXX/XXXX. 
1. Page XXXX shows EQUIFAX reports a score of XXXX as of XXXX/XXXX/XXXX. Page XXXX of this credit score sheet shows Key factors that affected my credit scores. These key factors appear to be verbatim to information reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now in XX/XX/XXXX. 

EQUIFAX 'S KEY FACTORS Serious delinquency and derogatory public record or collection filed Length of time since derogatory public record or collection is too short Proportion of balances to credit limits too high on revolving credit accounts Too many inquiries in the last 12 months The number of inquiries has adversely affected the credit score. 
Letters submitted on or about XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, am d XXXX/XXXX/XXXX disputing these horrific key factors. Consumer Finance Protection Bureau ( CFPB ) file numbersXXXX, XXXX AND XXXX have been filed disputing these very same key factors. EQUIFAX did not respond to Case number XXXX as they suspect that it may have been submitted using a credit repair company. Their suspensions are in error. This case was submitted by customer. After reviewing Equifax credit file # XXXX dated XX/XX/XXXX, ( XXXX pages ), it reveals the information provided by EQUIFAX does not support any of these absurd key factors.

Company response to consumer: Closed with explanation