BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is emphasized that consumer reporting agencies, such as XXXX and Experian, must conduct their responsibilities with fairness, impartiality, and a sincere regard for the consumer 's right to privacy. As the consumer in question, I assert my right to ensure that my private information is not shared, supported by Section 6801 of 15 USC, which asserts that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information.

It is crucial to note, as per Section 604 ( a ) ( 2 ) of 15 USC 1681, that any consumer reporting agency, including those aforementioned, is only permitted to furnish a consumer report in accordance with the explicit written instructions of the concerned consumer. In this instance, I have not provided consent, written or otherwise, for the furnishing of my information to credit agencies, as explicitly stated in Section 6802 ( b ) ( c ).

Moreover, Section 1681s2 ( a ) ( 1 ) ( A ) of 15 U.S. Code emphasizes that no person should furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX and Experian, by reporting adverse information without my permission, are in violation of the law outlined in Section 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including certain adverse information in reports without authorization.

Additionally, these agencies are required by 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specified purposes. It is evident that XXXX and Experian are not upholding these reasonable procedures. 

Furthermore, 12 CFR 1016.7 emphasizes the consumer 's right to opt out at any time. In exercising this right, I hereby declare my decision to opt out of the reporting services provided by XXXX, Experian, and any furnisher of information to credit agencies. Any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

In conclusion, I urge strict adherence to the legal provisions outlined above and expect immediate cessation of any unauthorized reporting of my information to credit agencies.

Company response to consumer: In progress
Consumer complaint received 2023-08-16
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: Reporting company used your report improperly

Complaint:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : 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 2022-12-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bureau XXXX XXXX XXXX XXXX  } { Credit Bureaus : ALL XXXX } { XXXX XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX 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 2023-08-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I've been unlawfully enrolled in hazard insurance through the mortgage servicer. There's evidence that suggests the Servicer may be paying the annual premiums and still apply a monthly payment to insurance ( double charging me and creating shortages on escrow reports ). It's also apparent that I've been enrolled in this policy since the very 1s
t payment that I made without notice or having given authorization to do so.

Lastly with all the fees applied to this policy, I don't see evidence that any such insurance exists. No declaration, policy number, company name, Nothing at all.

I want to submit that this company is operationally a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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: 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 no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: KEYCORP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am attaching copies of all the documents that I submitted to Keybank regarding the issue. You can see that the total payments that show on my account that I made ( all bank statements are attached as well ) do not match what was applied to my mortgage. It is short by {$110.00} ( you can see where they tried to " fix '' something and took this amount off twice ). In addition, you can see on the statements that the sent that on XX/XX/XXXX my mortgage payment and minimum due was correct. Then on XX/XX/XXXX statement the amount due jumped to {$970.00} ( {$690.00} more ). On the XX/XX/XXXX statement you can see they are fees. This complaint on the fees pertains to a prior complaint where I said they added a lot of {$30.00} fees but they denied them being on my account. Now you can cleary see them. I reaffirmed my mortgage when I filed bankruptcy and the fees are all added to the end of my mortgage ( the amount is {$5800.00} ). Nowhere in this agreement were there an additional {$690.00} in fees. I have repeatedly asked them to review this and every time they brush me off. I gave them documentation and they still fail to answer my request even with all my documentation sent to them to review. Keybank owes me the {$110.00} and the {$690.00} in fees that they took from my mortgage payments. It is bad enough I had to pay the {$5800.00} due to a hard time in my life but to add additional fees for no reason is ridiculous! I have asked them to fix this issue as I am in the process of selling my home and want my money that is due to me credited on my account prior to me paying it off as I know they will NEVER refund me once they have the money. This is the worst bank to have to deal with and they can rest assured once this is resolved and I pay the mortgage in FULL they will never make another penny from me, my family, friends and business customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: Experian Information Solutions 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: Account information incorrect

Complaint:
According to the FCRA 15 U.S.C. 1681c ( b ) and 15 U.S.C. 1681 b ( a ) 2 without my written instructions my XXXX account the number is XXXX .... 

on experian it shows balance is {$0.00} on XXXX  it shows {$4800.00} on XXXX is shows {$4800.00} date opened on XXXX  it shows XX/XX/2016 on experian it shows XX/XX/2016 on XXXX it shows 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 2022-08-20
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2022, I went to a car dealership to start my car search and without my permission my credit was shot around to MULTIPLE companies and i would like the hard inquiries removed. Thank you *XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute and bring to your attention a series of violations that have significantly impacted my credit report, as well as to request your assistance in enforcing my legal rights. The violations outlined below pertain to the Fair Credit Reporting Act ( FCRA ) and its corresponding sections. These discrepancies have had a profound effect on my financial well-being, and I implore your intervention to rectify the situation. 

Creditor : XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX  XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX  XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX  - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) [ Include the rest of the creditor details with corresponding violations and sections as mentioned earlier. ] These violations have not only tarnished my creditworthiness but have also wrought havoc on my personal life. I share a deeply personal story to underscore the emotional toll these inaccuracies have taken on me. As a dedicated father, I found myself facing unforeseen financial challenges when I was denied a mortgage loan for our dream home due to my compromised credit report. The emotional distress, the feeling of inadequacy, and the disappointment in my inability to provide a secure living environment for my family have left an indelible mark. 

I appeal to your compassion and expertise to guide me through the process of rectifying these grave errors. I kindly request your intervention in enforcing the removal of these unverified accounts from my credit report. It is my sincere hope that through your assistance, I can regain control of my financial standing and provide a brighter future for my loved ones. 

Thank you for your understanding and anticipated assistance in this matter. I eagerly await your response. 

Sincerely, 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 2023-08-17
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 have been a victim of identity theft. I was unaware for a long period of time because I did not know anything about my credit. My data has been breached in several locations. I was also informed that it has been listed on the XXXX XXXX. I have reached out to creditors to resolve this issue. Somethings have been removed but there is still a vast amount of accounts that are still being reported that I have never owned or applied for. I have reached out to all 3 credit bureaus I have already submitted an identity theft report to the federal trade commission. Now I am making a formal complaint with you all. I know that I have a right to the fair credit reporting act under code 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. Which means if this debt does not belong to me it has to be removed these accounts include XXXX XXXX Opened date XXXX XXXX Amount {$450.00} XXXX XXXX Opened date XXXX XXXX Amount {$610.00} XXXX XXXX Opened date XXXX XXXX Amount {$170.00} XXXX XXXX opened date XXXX XXXX Amount {$230.00} XXXXXXXX XXXX Opened date XXXX XXXX Amount {$2600.00} XXXX Opened date XXXX XXXX No amount XXXX XXXX XXXX Opened date XXXX XXXX Amount {$930.00} XXXX XXXX bank Opened XXXX XX/XX/XXXX XXXX XXXX Opened date XXXX XXXX Amount XXXX XXXX DATE OPENED XX/XX/XXXX Amount XXXX Original credit XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX Amount {$450.00} Original credit XXXX XXXX XXXX XXXX XXXX I was unable to add all accounts on my identity theft report but this is everything

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 2023-08-17
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: Account status incorrect

Complaint:
I filed for XXXX in XXXX, XXXX. My XXXX was XXXX in XXXX, XXXX. My balance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was included in my XXXX. 

Since I've received my XXXX XXXX XXXX XXXX continues to report this account as open and derogatory to TransUnion. It is only reporting as open on my TransUnion credit report. All of my XXXX credit card accounts, including this one, are now closed. Continuing to report this account as open, when it is closed, is affecting my credit score. 

I contacted XXXX XXXX in XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX - requesting an update to my TransUnion credit report. Each time I was told my request had been escalated to a 2nd Tier Manager and would reflect with the next reporting at the end of the month. It is now XXXX, XXXX and this account is still reporting as open on my TransUnion Credit report. 

I have challenged this misreporting directly with TransUnion in XXXX, XXXX and in XXXX, XXXX. XXXX XXXX continues to verify back to TransUnion that this information as accurate, and no changes have been made to my report. 

Please note, XXXX XXXX is accurately reporting that the card balance is {$0.00} and was included in my XXXX, HOWEVER they are still reporting the account as open. THIS ACCOUNT IS NOT OPEN AND IS NOT IN A DEROGATORY STATUS. IT IS CLOSED AND NEEDS TO BE REPORTED TO TRANSUNION AS CLOSED. To reiterate, my issue is not how it is reported to XXXX or XXXX. The issue is solely with TransUnion. 

I am reaching out to CFPB for assistance with getting this corrected. If this is not resolved my next step will be to take legal action.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my report with transunion. this has been an ongoing issue that needs to get resolved. checking my file it has caused alot of denials with inaccurate information that is reported to be cleared asap. please review an remove the listed items to correct my file asap.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
have been in the process of purchasing a new vehicle And home but I have been turned down due to the information I found on my account. On my credit report there is a Charge off from : XXXX XXXX XXXX for the amount of {$230.00} & {$150.00} from XXXX XXXX XXXX XXXX XXXX  for the amount of {$380.00}. XXXX XXXX XXXX XXXX XXXX the date is unknown but it was reported XXXX XXXX XXXX XXXX for the amount of {$1200.00} XXXX. 
XXXX XX/XX/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