BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: Resurgent Capital Services L.P.
State: GA
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:
XXXX notified me regarding RESURGENT RECEIVABLES LLC that information " HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACTUAL PAYMENT *SCHEDULED PAYMENT *PORTFOLIO STATUS. '' Errors still exist on my credit report when I never had any creditor relationship with XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX  was never my original creditorXXXX XXXX XXXX XXXX XXXX does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX for an amount of f {$2100.00} or any such amount. There is no debt owed to XXXX XXXXXXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXX XXXX XXXX XXXX 

XXXX failed to produce any documented evidence of how RESURGENT RECEIVABLES LLC a Debt Buyer Account is owed a past due amount of {$2100.00} for a debt owed to XXXX XXXX XXXX XXXX as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX  XXXX XXXX XXXX 

RESURGENT RECEIVABLES LLC is listed on my credit report for a Collection balance owed for a debt to XXXX XXXX XXXX XXXX as the original creditor that is an error. 

XXXX remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and RESURGENT RECEIVABLES LLC remains in direct violation of The Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act The Bankruptcy that is showihng on my credit has violated my consumer rights. 16 USC 1691 States I have a right to privacy. 16 USc Section 604A It also states a Consumer Reporting Agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-12-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
There is a bankruptcy being reported on all XXXX credit bureaus. I reached out to all agencies and was told that this information was furnished and verified to be accurate by paid source XXXX. I reached out to XXXX XXXX who responded saying that this was not true, and this information was not furnished nor is this on my XXXX XXXX report. I reached back out to all agencies on conference calls with XXXX XXXX and was told that they would need proof from XXXX XXXX. I have submitted my XXXX XXXX report and was told that was not sufficient. XXXX XXXX even asked agencies to validate when said information was furnished and was told that they were not at liberty to answer. I have also asked agencies to provide me documents to support the validity of this reporting and was told they have no such document. I am demanding that these agencies provide me document to support this reporting or remove this reporting as the said furnisher has provided document showing this information is not reported on my credit file.

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 2021-04-12
Company: TMX Finance LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
3 years ago i got a title loan from titlemax here in utah. After paying on faithfully for 2 years i refinanced the loan. After almost a year I noticed my balance always remained the same. i contacted the store manager and going over how much I had paid over the 3 years. I was offered a settlement and paid if off in full. That was over 6 months ago. I received a call today from their corporate office stating I owed {$4000.00} and they were going to reposes my vehicle. I was of course confused and then quickly agitated so I told the XXXX that " you can't reposes a vehicle I paid off and I have the title for ''. So he said he was going to call the local office. I hung up and I called the local office and was XXXX? Of course they were like yes your vehicle is paid via a settlement offer. So I called the regional office again just to be sure that the two were on the same page ... NOPE! Again I was asked why I was late and I still had a {$4000.00} balance due. I was now beyond XXXX off and asked why the same company did not have the documentation that had to go through corporate to be approved ( the settlement ). Again, she called the office a few minutes later claiming yes, it was paid off but she said it would have to be approved and updated by corporate. These morons are completely inept and try to get money from people who have paid their debt but using the " well we didn't know '' tactic. Your corporate, how the XXXX  you can you not know. This organization needs to be held accountable for fake collection practices and harassment of people who no longer even have accounts with them. this needs to STOP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to all 3 credit bureaus on XXXX XXXX, 2023 updating my personal information that is inaccurately being reported on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.

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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
There is a bankruptcy being reported on all XXXX credit bureaus. I reached out to all agencies and was told that this information was furnished and verified to be accurate by paid source XXXX. I reached out to XXXX XXXX who responded saying that this was not true, and this information was not furnished nor is this on my XXXX XXXX report. I reached back out to all agencies on conference calls with XXXX XXXX and was told that they would need proof from XXXX XXXX. I have submitted my XXXX XXXX report and was told that was not sufficient. XXXX XXXX even asked agencies to validate when said information was furnished and was told that they were not at liberty to answer. I have also asked agencies to provide me documents to support the validity of this reporting and was told they have no such document. I am demanding that these agencies provide me document to support this reporting or remove this reporting as the said furnisher has provided document showing this information is not reported on my credit file.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2018-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX {$630.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide 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.

Please be advised this is against F.C.R.A. law and 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
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have attached an FTC report with fraudulent inquiries I did not authorize

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 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent all 3 credit reporting agencies ( TransUnion, XXXX, and XXXX  ) letters notifying them that I'm a victim of identity theft. Neither company has removed any of the accounts from my Consumer report I've Sent in all documents pertaining to the case including a police report. I want all accounts removed from my Consumer report immediately. 

Also, TransUnion, XXXX, and XXXX  are in violation of the FCRA. 
15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

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 2019-07-16
Company: PENTAGON FEDERAL CREDIT UNION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Penfed has inaccurately reported information to the credit bureaus. I have disputed the information reported numerous times and have also spoke with a supervisor concerning the documents I submitted to them not being returned with a contact person, name, contact info etc. This issue remains ; I have never paid 30 days past due. I make payment through the Penfed app and payment the amount the app reads due. Penfed is reporting that I missed a payment when I in fact did not and is refusing to correct the inaccuracies. Penfed also will not take accountability for their App showing amounts due that may differ from their accounting. My credit should not suffer for company mishaps, whether human error or computerized.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX  DATE OPENED XXXX Company contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone # XXXX XXXX XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
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 is missing that should be on the report

Complaint:
In 2021, I contacted CFPB because I assumed the credit cards I had opened were not being reported by the companies. I was wrong. 

They WERE reporting to XXXX, TransUnion, and XXXX, but XXXX refuses to report the credit correctly. 

I have 8 open revolving credit cards. I have 2 cards with XXXX XXXX XXXXXXXX, one with XXXX, two with XXXX  XXXX, one with XXXXXXXX XXXX, one with XXXXXXXX XXXX. 

I have a line of credit with XXXX, as well as XXXX XXXX XXXX, which is over two years old, and almost paid off. 

None of these open lines of credit are being reported on XXXX 's credit report. I have asked them over and over, and even spoken to a supervisor regarding this. 

The credit score is XXXX points LESS than XXXX 's. This I can not understand. 

TransUnion, the same. Why does XXXX report all of my credit lines correctly, and XXXX and Trans Union do not? I need help. 

I intend to fight to get this corrected because they are are deliberately hurting my ability to qualify to buy a home.

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 violation of the FCRA Section 623. Each Bureau is reporting different date opened, and high credit, and date last active, and date of last payment this is a violation. This account has many errors/inaccuracies does not meet FCRA. Each bureau is reporting different date last active terms and a collection account should not report a late payment this is a violation of FCRA

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 2017-05-10
Company: Credit Protection Association, L.P.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Protection  XXXX    XXXX , Texas This collection agency has tampered with my good credit. I intend to bring civil suit against these criminals. They should be vigorously investigated for their criminal collection practices.

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