BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-17
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX 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 XXXX. 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 XXXX 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 XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
TransUnion is Reporting a Inconsistency account XXXX XXXX XXXX account number XXXX, That not consistent with XXXX nor XXXX report TransUnion has reported that the date opened on this account was on XXXX XXXX has reported Date opened on this same account is XXXX TransUnion has reported that this account type is a revolving account type XXXX is Reporting account type as Credit Card account type. Transunion has reported that the date closed on this account is XXXX and XXXX has reported that date closed on this account is XX/XX/2018, XXXX has reported date closed is XX/XX/2018, Transunion also have the account number listed as XXXX and XXXX has listed the account number as XXXX These are Inconsistent Inaccurate reporting on my credit report and is a violation of the FCRA. I have downloaded proof of this on the CFPB portal.

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 2017-04-04
Company: Specialized Loan Servicing Holdings LLC
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have asked for a loan modification from Specialized Loan Servicing regarding a 2nd mortgage on our home. They sent forms w/instructions to fill out which I have done ( 3 times ). They send to me documents showing every thing is completed and no action needed except for a copy of my wife 's pension annuity letter from the XXXX. Copies of my wife 's annuity reward letter as been sent to them 3 times and now I am sending it for the 4th time for they keep saying they did n't receive all the pages. They have received them and they are either incompetent or they are stalling on purpose. I did a XXXX search on line and found hundreds of people are having the same problem with them. They claim they can modify the mortgage but seems they keep stalling until the time to do so runs out. I have been in this process with them for over 3 months. If not modified this loan will go from about {$120.00} per mo to $ XXXX.per mo. Do to a serious hardship we had during XX/XX/XXXX & XX/XX/XXXX we just cant swing that right now. we only asked for 2 yrs up front to remain under same terms as is now and give us that 2 yrs to get it paid down so the remaining 10 is more realistic. It seems they would rather force us out of our home. We have perfect credit and have never missed a payment on any loan or credit card in our lives.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-10-30
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-02-17
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:
The XXXX XXXX XXXX reporting on my credit report is FRAUD and FRAUD by the credit reporting bureaus and fraud by XXXX 's

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 2022-08-09
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
When I attempted to make a payment on my mortgage back in XXXX of XXXX I was advised that was place on a COVID-19 forbearance. And I didn't request it and when attempting to make payment to get off of forbearance I was placed right back on. And in XXXX of XXXX attempted to make a payment and that payment was sent back. However I was able to actually make on payment that they did take and post to my account in XXXX of XXXX that accepted. And then I was placed back on the forbearance that I didnt ask for. I was advised in XXXX of XXXX that the forbearance would be ending. Contacted Flagstar bank to see what steps needed to be taken and at that time I was advised that I would be contacted or receive documents. Received a loan modification packet which I signed and sent back by the required date. A week or so after sending the loan modification packet back I received another set of the same exact loan modification documents with the same exact return date that was had passed. At the end of XXXX I received a letter stating my loss mitigation case had been closed. Contacted Flagstar bank to find out what was going on and was advised at first that the documents weren't uploaded but they had received and that they would be uploaded and sent to underwriting. Called back later that week to find out if documents were upload so that way a payment could be made and I could get back on track. I was then advised that on the loan modification packet the county of XXXX was not written in so underwriting denied it. I feel like I they set me up to take my home. I am more than capable of making my payments and want to make payments. Was advised that I got a second set of documents and advised when I got them. At that time I asked could I send those in the second set of the modification packet that was sent even the date had expired. And was advised that I couldn't and would need to start all over again with the loss mitigation case. I have attempted to do that sent in documents. Called them last week Monday to gather what else was needed sent those and received a letter yesterday in the mail that my case is closed again and now there is a sale date for on my home for XX/XX/XXXX. I am a father of XXXX and feel like they are trying to set me up for failure. How are they able to put you on a forbearance then send documents but now want to take my home. They need to fix this and accept the modification that was sent or allow me to send in the other set that I still have. I shouldnt have a sale date of any kind when the modification packet was signed, notarized and sent back by the date required. If I knew that this was going to happened I wouldve declined the forbearance. They should not be allowed to set people up like this to take their home away that you work so hard to build for your family.

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 2023-02-12
Company: Nelnet, 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:
Dispute REASON : Remove transactional history and consumer experiences between me and you ( NelNet ) from my consumer reports. 

The creditor recently responded to a complaint I submitted to the CFPB, using stall tactics not to process my dispute. Pursuant 15 USC 1681a 2 ( A ) ( i ).

-This is not a GOOD WILL REQUEST XXXXThis is not a credit repair agency I am XXXX XXXX XXXX and I am demanding that you process my dispute, in its entirety. I will sue your company for damages and criminal acts if you do not process this dispute, with the help of the attorney general of my governing jurisdiction. 

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) DEPT OF ED / NELNET Making the report is NOT INCLUDED on my Consumer report! 

Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have 10 calendar days to update my Transaction/Payment history and DELETE all late payments from the accounts listed in this letter and all accounts listed on my credit reports from your company. 

ACCOUNTS TO REFERENCE : Accounts numbers : 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 2022-03-17
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
12 U.S. Code 83 - Loans by bank on its own stock U.S. Code Notes prev | next ( a ) General prohibition No national bank shall make any loan or discount on the security of the shares of its own capital stock. 

( b ) Exclusion For purposes of this section, a national bank shall not be deemed to be making a loan or discount on the security of the shares of its own capital stock if it acquires the stock to prevent loss upon a debt previously contracted for in good faith. 





Offset the balance. Bring it to {$0.00}. Leave the account opened. 

Open-ended, No limit. 

I express my intent, per law. But I would like to bring the balance to 0 according to US code 15 U.S. Code 1666 and also due to the fact that banks do not lend according to ( 12 U.S. Code 83 ) I know that this Is doable. Also I would like my late payment removed from all credit reports as well due to the fact I have a history of paying on time with XXXX  thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXXXX/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
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 XXXX In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  XXXX, XXXXXXXX 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 an 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 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 2023-05-02
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has repeatedly called me and spoofed their phone number they call every day and multiple times a day.

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 2023-02-17
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:
I am a victim of identity theft and Im writing to you LET YOU KNOW THEY ARE NOT TAKING MY DISPUTES SERIOUSLY! Dispute the fraudulent accounts in my file that I did not make or authorize. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. these accounts 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 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A section2 : It also states that a consumer reporting agency can not furnish 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 iteams of information Any other adverse item of information, other then records of convictions of crime which antedates the report by more then seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shaqll not furnish any information relating to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate. 15 U.S.C 1681i-5- reinvestigate

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 2023-02-24
Company: EQUIFAX, 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

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