BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
According to my recent credit report request from Transunion, XXXX, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX/XXXX XXXX   ACCOUNT NUMBER #
XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX HOWEVER I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX   ACCOUNT # XXXX XXXX XXXX XXXX XXXX , DE XXXX  ( XXXX  ) XXXX THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, HOWEVER, I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX , DE XXXX  ( XXXX  ) XXXX THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, AND XX/XX/XXXX HOWEVER, I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX ( XXXX  ) XXXX   THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, HOWEVER, I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
At this time I want to inform you that because your office is reporting invalidated information to the 3 major Credit Bureaus this action constitutes fraud under both Federal and State Laws. Due to this fact, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character On XX/XX/2018 I opened the following case with the CFPB XXXX. This case was closed today, but the information required by law was not provided in the answer from the company. I received the original instrument, according to state law ALLY financial has to provided deficiency notices in order to report a repo on my credit report. This was not received per FCRA this has to be removed because 30 days has passed and the company has not provided the legal requirement to have the right to report this on my credit history. There have been several miss-applied payments to the account in question. Each time a call was made to ALLY financial when each misapplied payment was made. 

IN addition to this, I have disputed the information on my credit file and ALLY financial should have notice of this information as well. 

The request to provide a notarized copy of the deficiency notices mailed to the address on file has not been satisfied. Legally this would be considered fraud. I will open up a case with the FTC and file a ID theft notice and seek legal action against ALLY financial for violation of FTC up to {$1000.00} per occurrence. 



Once again in a timely manner please remove this information from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX I paid my mortgage of {$1400.00} charged under title of Lakeview Loan Servicing. The payment was processed by my bank on XX/XX/XXXX. On XX/XX/XXXX I woke up and had another {$1400.00} charge on my account from LAKEVIEW XXXX XXXX XXXX XXXX ( a title Ive never seen before on my Lakeview charges ). I called customer service asking whether this charge was on their accounts and they could not find the account and only stated that maybe the payment was my XXXX payment, which makes no sense as it is XX/XX/XXXX. I then suggested maybe my data was stolen in the data breach that just occurred and they transferred me to the data breach help line and they did nothing to help me get my {$1400.00} back even though they confirmed my data was compromised.

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 2023-07-29
Company: EQUIFAX, INC.
State: SC
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 under 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I sent off dispute letters to XXXX, XXXX XXXX TransUnion asking them to remove all unverifiable information from my credit report. The letters week of XX/XX/XXXX to XXXXXXXX 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 2023-07-30
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:
In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXXXXXX , Account # XXXX XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX, Account # # # # # # # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Dear Sir and Madam, I just got call from XXXX, the caller said personal, business matter and she said already have all my information. So the caller want to verify my date of birth and Social Security Number. I said I cant give to you my personal information and ask her what is the reason verify my information. The caller keep saying personal and business matter and no explanation. 
The caller constantly ask what is my birthday and SSN. I feel she threatened me because she keep saying already my information she have. 
I realize no one ask personal information via phone or email even governor staff. 
Please investigate it why they ask the personal information through the phone even personal, business matter with customers. 
Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: LA
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:
Third time company Equifax is reporting incorrect status of my account. XXXX Account should be in an XXXX status. I have contact XXXX and they have sent XXXX forced reports to show account is OPEN & ACTIVE status. 

I requested Equifax to update through a dispute Confirmation number : XXXX. When this was complete it showed open for one day and the next went back to reporting as closed. 

All other credit bureaus XXXX and XXXX are reporting this information correctly. I have included the Credit report from XXXX and XXXX reporting correctly. Equifax is INcorrect and not reporting accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 FOLLOWING XXXX ACCOUNTS LISTED HAS VIOLATED MY RIGHTS : # XXXXXXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX, 15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604A SELECTION 2 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 2019-01-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
this complaint is regarding XXXX XXXX FKA XXXX, ACCT.NO.XXXX reporting on EXPERIAN, XXXX   AND XXXX  credit bureaus.It is of special significance that this account has been disputed twice within the last 30 days from each bureau and each bureau updated and verified the information each time. 
The evidence attached are 3rd party credit pulls pulled today XX/XX/2019.After multiple disputes verified by each bureau, the information does not match between them and all of them can not be correct even though each bureau says the information is correct.I would like this specious creditor who bought the account or the bank to simply delete the account as a solution for this ongoing problem. 
The proof is clearly readable and understandable for each bureau to act unilaterally to delete this account from a creditor who does not possess the records of the original creditor and is merely guessing as a response to a dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: DISCOVER BANK
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/. I called discover and spoke to a customer service agent about going on a potential payment plan since I was a month behind because I'm a college student who works part time and has no extra money to pay off the outstanding debt. The agent then proceeded to put me on a {$68.00} dollar a month with lower APR for 12 months and issue a {$100.00} statement credit towards my balance to help get back to good standing again. The agent then proceeded to put me on hold while doing this and the system went down at around that time. I was also asked to schedule 3 automatic payments for the upcoming months to have the payment plan effective. After several months and paying what was required at the time, I recieved a letter stating my account is heading to default and missed 3 payments since XX/XX/. I have reached out on XX/XX/XXXX over the letter and the agent was rude and told me no payment plan was established and then proceeded to ask for the money and refused to talk to a supervisor. I then proceeded to call today, XX/XX/XXXX about this issue and I was told they can not because they are short staffed and very busy. I have asked for a supervisor but I was placed on hold and never heard anything back. They claim no record was shown and I have to pay them {$300.00} to get back in good standing but unfortunately I don't have that money to send them to get back on good standing. I'm a college student who used to discover to help pay for college and expenses for everyday needs as my job was reducing hours because of slow season and everything. I have been trying and I have been paying them with what the original agent has placed me on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13
Company: Midwest Loan Services, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello. I hope this message finds you well. I write because in XX/XX/2020 I entered a covid forbearance plan. However, while on the plan with servicer # 1 I made payments of {$14000.00} and then made payments to the second servicer of {$16000.00} for a total of over {$30000.00} to both servicer out of the {$37000.00} total to be paid according to the statements rendered by both servicer. Unfortunately, I am unable to get out of forbearance because in order to do so, I must agree that I owe an additional {$17000.00} ( according to the partial claim delivered for my execution by servicer # 2 ). I am not sure why my past due balance is {$17000.00} when the difference between what I paid and what I should have paid is only {$6300.00}. I would have expected to find an escrow overage. However, I have just been informed that all that is left in my escrow account is less than {$3000.00}. I would very much like to exit forbearance but unless I agree that I owe an additional {$17000.00} that is not an option. I have asked both mortgage servicers to explain this discrepancy but rather than answer my direct questions they continue to send and refer me to payment histories which are not helpful in explaining this discrepancy. Please help. I may be reached at either XXXX, XXXX or XXXX. Thank you so very kindly for all your assistance in advance. With warmest regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is a formal complaint against XXXX XXXX, and Transunion. I have disputed this with the three credit bureaus. I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 


Late payments Account Name : XXXX XXXXXXXX Account No. XXXX Dates of Late : XX/XX/XXXX Account Name : XXXX Account No. XXXX Dates of Late : XX/XX/XXXX Account Name : XXXX Account No. XXXX Dates of Late : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX I have paid these accounts on time. How did they verify this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
XXXX is still reporting on my Equifax credit file. The previous response from Equifax stated that credit inquiry XXXX has been deleted. As follows XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX, XXXX and XX/XX/XXXX. Which all are back to back. Please delete entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
Company: EQUIFAX, INC.
State: GA
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 under 15 USC 1681 Following accounts with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states : No consumer reporting agency may make any consumer reporting 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 USC 1681 ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX # XXXX is reporting lates from XX/XX/XXXX through toXX/XX/XXXXthat are in error. We moved to another state and were not receiving mail from them. I kept calling to try and make a payment but it was like no one would help me. They kept referring me to the collection department because my account was in repo status in error and they were rejecting my payment. I have proof of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Credit reporting 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:
THESE ARE FRAUD INQUIRIES XXXX XX/XX/2023 TRUIST BANK XX/XX/2023 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2023-07-31
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: 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 under 15 USC 1681. 

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 response to consumer: Closed with explanation