BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-03
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: Problem with personal statement of dispute

Complaint:
The unverified items remain on my credit report in violation of Federal Law. I am prepared to take legal action. 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, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. 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.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

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 2022-04-14
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I submitted documentation showing that the documentation from XXXX could not verify XXXX and update and correct my credit report and they did not. 

The certified mail was sent on XX/XX/XXXX and received on XX/XX/XXXX to date correction has not been made by XXXX and Experian

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 2021-10-12
Company: Experian Information Solutions Inc.
State: WA
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 have an item on my Experian report stating I was 90 days late on ONE month in 2016 for a student loan. I without fail paid on time every single month. On this ONE month in question, I was marked 90 days late, but somehow ALL OF THE REST of the payments for the LIFE OF THE LOAN were ON TIME. Even the very next month. This is literally an impossibility. If the payment was late by even 30 days, the next month would be effected. If the payment was 60 days late, the first month would be 60 days late and the next month would be 30 days late. I have disputed this over and over and Experian refuses to help. I have even been hung up on by supervisory reps in the Experian call center. This is ILLEGAL. I have been trying to avoid the use of litigation but I now believe I have no other recourse. I also believe that because I have disputed this, my score has been kept low in retribution by Experian. If this has to go to court it will be a really difficult thing to explain to a judge how someone with ONE late payment in 2016 in an otherwise PERFECT credit history has a low score. XXXX = XXXX ; XXXX = XXXX ; EXPERIAN = XXXX. This false information is hurting me, my reputation, and costing me money in the form of higher interest rates. This needs to be removed from my report and so far Experian has refused.

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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. 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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: RAB, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received an email SUBJECT - UCC Violations, Solvency, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, Case No : XXXX, Balance {$16000.00} - dated XX/XX/2016 In this email there were 11-12 different emails Most, I have no association with, in the email, there are 5 attachments containing my personal information and address. There threatened me with the following : File a Notice of Default against your Brokers License with XXXX as well as with the California Attorney General according to Uniform Commercial Code 9-607b ( 2 ) a, which could result in a fine or loss of license. 
* Contact Title Companies and Title Attorneys to serve UCC1 & intercept any current and/or future commission due to you and/or your brokerage until the balance is cured. 
* File a complaint with the California Attorney General for Fraudulent Receipt according to Uniform Commercial Code 5-502 to 5-511, which could result in a fine. 
* Add additional collection and recovery fees according to Uniform Commercial Code 9-607 ( d ). 
* Contact XXXX  as well as with the California Attorney General to advise of possible FRAUD AND FALSE STATEMENTS by Concealment of assets from conservator, receiver, or liquidating agent according to Title 18 Part 1 Ch.47 1032 ( 3 ), which could result in a fine and/or up to 5 years imprisonment. 
* File a complaint against your Brokers License based on Realtors Code of Ethics & Standards of Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: RGS Financial, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent notification to this debt collector to verify that this debt was indeed mine. They sent a billing statement. Per FDCPA that does not constitute as verification or validation. First letter was sent off on XX/XX/XXXX. Second letter was sent off on XX/XX/XXXX after they sent me a billing statement. In both letters I requested validation and to date, no method of validation has been received. Attached is my request for validation and the methods in which the debt should be validated per FDCPA. They instead sent me a billing item. This does NOT constitute the validation request that I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 am writing to report an issue with XXXX, Trans Union and XXXX regarding verification on an inaccurate account on my credit report. I would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in resolving this matter promptly and accurately. I have been correcting information on my credit report from XXXX, Trans Union and XXXX. I discovered two account that has been inaccurately reported. The account in question belongs to XXXX XXXX XXXX XXXX  and XXXX XXXX, and it is listed as incorrect balance as a charge-off in the amount {$300.00} and the {$670.00}. I sent letters to the furnisher to request verification on the account and was unsuccessful on this situation. 

I sent a letters requesting the furnisher to verify my information on the account since I have been a victim of Identity theft in the past. Neither of the furnisher has supplied me information on this account as a consumer. In additionally, I have submitted a dispute letters with XXXX, Trans Union and XXXX, with supporting documentation of inaccurate account removed from my credit report. I have attached documentation on relevant dispute. I have not received any documentation from XXXX in regards to this inaccurate information on my credit file. This adversely affects my credit score and ability to secure credit when needed. I am concerned that this inaccurate information may continue to harm my financial standing if not addressed promptly.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
First off they are reporting inaccurate information with numerous creditors. When a request form removal of inaccurate information was requested they did not investigate as I have written proof in one example ..USBK DOCKET XXXX XXXX  days we verified the information and found it accurate and its still not accurate so I called TransUnion to ask whom they verified said information with and they told me it was verified by the XXXX CALIFORNIA USBK COURT so I took it upon myself to not only call the court but also write a letter asking the courts why they are reporting inaccurate information about me to all three credit reporting agencys and The clerks response was sir we DO NOT REPORT ANY INFORMATION NOR DO WE VERY ANY INFORMATION IN REGARDS TO ANYONES BANKRUPTCYS and sorry for any inconvenience. So now that I know for a fact that not only is TransUnion lying about actually doing the research that they are continuing to report false/inaccurate information on my file and its harming me and if not corrected immediately I will be suing them as well as any company or organization that is in charge of regulating them!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: Valor Intelligent Processing, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX attempted to collect wrong debt and fees on my account the bill is XXXX this is wrong I want to dispute this of my credit report and debt because this is wrong amount I tried calling them no answer to pay half

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: STERLING JEWELERS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a Kay jeweler credit card. the due date for payment is the XXXX of the month and late fee accessed after ten days past due date. I called on XX/XX/XXXX at XXXX XXXX, central time. I spoke with customer service representative XXXX ( had to ask her to spell her name because of her not good english ). I asked for the amount due and she stated {$93.00}, I asked why {$93.00} and she stated because of the past due amount.. I stated that the payment was due XX/XX/XXXX and today is XX/XX/2020. She stated that the past due amount of {$47.00} and the upcoming XX/XX/2020 payment is due. I informed her that today is XX/XX/2020, and you are trying to force me to pay a bill that is not due yet. I informed her that you can not force a consumer to pay a bill that s not yet due. I paid the amount that was due on XX/XX/2020. This is not the first time i encountered this type of practice with this company. ( XXXX XXXX XXXX XXXX for Kay Jewelers ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Self Financial 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 XXXX 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 fumnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  has violated my rights : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX 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 2022-09-09
Company: Experian Information Solutions Inc.
State: PA
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX : {$750.00} XXXX XXXX : {$0.00} XXXX XXXX : {$100.00} XXXX - XXXX XXXX : {$1400.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX : {$750.00}

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 2020-04-04
Company: INVESTORS BANK
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Investors Bank a few times to see if they are honoring the Governors request for mortgage companies to give us a break for 90 days. I opened up a case and was told there a small bank working in NY & NJ they are not like the larger banks like XXXX & XXXX. 
My wife is on S/S & I have since been layed off from my job. There going to email me if they can do something, the thing that concerns me is I dont see them on the list of companies working with covid people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/202, I sent a letter to the credit bureaus in regards to inaccurate information being reported on my credit report. To this day 60 days later I have not received a response in regards to this dispute, to my understanding that have around 30 days to conduct a investigation to correct these inaccurate items or remove them from the report as stated in Section 611 ( A ) .. Since it has been 60 days to this date I demand that these accounts be removed from my credit report immediately or I will file for litigation due to the stress I have endured. My information was impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: Personal information incorrect

Complaint:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, But bureau reported that I have many addresses like 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 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

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 explanation