BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
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: 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 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 2015-08-05
Company: Concord Resolution Inc (Closed)
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Company has called my job, house and cell leaving message that im a person of intrested. Leaves other messages threatened lawsuits. They have refuse to vertify debt over phone or in writing. I can not keep getting these hsrrasing calls at work or my home.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-19
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX XXXX XXXX and I sold a property in XXXX XXXX Georgia. We owned the property and there was money left in Escrow. Recently when I checked our post office box in XXXX XXXX Georgia the checks were in the box but the envelopes were damaged. The checks had past the 180 day mark and now were to old to cash and they have not been cashed. I have contacted XXXX XXXX XXXX which is now PPH motgage and have not gotten a response for 6 months now. I was told to send copies of the checks to the research department which I did twice and faxed copies numerous times. It is now XXXX and we still have not gotten replacement checks for our money in escrow and every time I call they say it will be looked into.Still nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-27
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: MN
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:
When I pull my credit report my name is always spelled incorrectly. In the past I was a victim to identity fraud. My name is XXXX XXXX. When I get credit reports back from each bureau they spell my name XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: AZ
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:
Im accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rights to privacy.

15 U.S.C 1681 section 604 A Section : 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 explanation
Consumer complaint received 2017-03-28
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We received info from you that Ditech send a letter stating they had sent repayment papers to use on XX/XX/XXXX.Wr have not gotten any paperwork from DITECH for payment schedule or and letter from legal Dept and the rep from. XXXX XXXX re they playing a game.Theu will not take payment or the reps have no knowledge of payment plan What do we do for the company to let us keep our house and make payment. Thank you.Who else can I call Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: NJ
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:
USC 15 1681a ( 2 ) ( i ) states that It is illegal to report transactions or experiences on a credit report. 
All alleged late payments and other transaction and experiences must be removed and ceased to 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 explanation
Consumer complaint received 2017-03-30
Company: ACS Education Services
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Account is reporting twice for the same account by XXXX different creditors. It is a paid account and reflecting in a negitive manner and I would like for ACS to please remove the account/negitive reporting from all XXXX credit bureaus. As I have spoke to one of ACS agents on XX/XX/2017 and was advised to send in something showing it was still reporting and they would have it removed.The documentation was also sent in the same day. Each time I write to ACS they send me back the same letter that I 've already responded to. which leads me to believe no one is reading the documents that are send in otherwise I would not get the same letter back asking the same question that was already answered. I will attach the letters that show the dates from ACS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: CITIBANK, N.A.
State: KY
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: Card was charged for something you did not purchase with the card

Complaint:
My Citi Card credit card was fraudulently used to purchase what appears to be XXXX XXXX flight tickets, a purchase with XXXX, a purchase to XXXX XXXX XXXX DEDUCTIBLE, and a monthly XXXX Plus charge without my consent. The XXXX appears to be made from someone in XXXX XXXX. It is apparent to me that some foreigner must have gained access to my card number and made these purchases, as I have never been to XXXX nor the XXXX XXXX. The XXXX XXXX   purchases even show names of XXXX/XXXX MR. and XXXX/XXXX MR . I have no clue who these people are! There are even what appears to be credits showing on XX/XX/18 and XX/XX/18 from XXXX XXXX. From my own investigating it appears whomever got my credit card number may have used that XXXX   site to make these purchases. Citi Card seems to think I made these purchases, and I did not! They still have not even stopped the monthly charge from occurring on my statement each month with XXXX XXXX as I am still seeing it each month on my credit card statement after I told them I did not authorize this. Citi Card advertises that cardholders are protected against unauthorized charges and we have a 0 % liability on unauthorized charges. This is false advertisement! It appears to me that Citi Card supports the scammers instead of the cardholders. Their fraud protection is too loose, apparently. I reported the unauthorized charges as soon as I found them. I answered all of the investigators questions honestly but they closed the investigation and are making me pay for purchases that I did not make. I did not make these charges nor did I authorize any of them, and I should not be held responsible for paying them. 
XX/XX/18 XXXX XXXX XXXX XXXX PA {$170.00} XX/XX/18 XXXX XXXX XXXX XXXX   {$190.00} XX/XX/18 XXXX XXXX   XXXX XXXX {$77.00} XX/XX/18 XXXX XXXX XXXX {$150.00} XX/XX/18 XXXX XXXX XXXX NY {$4.00} XX/XX/18 XXXX XXXX XXXX NY {$4.00} XX/XX/XXXX XXXX XXXX XXXX NY {$4.00}

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 2018-11-09
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: Account status incorrect

Complaint:
I am set to close on a new home for my family XX/XX/XXXX but when the mortgage company pulled my credit, a delinquent XXXX XXXX 2nd mortgage appeared on my credit with notes stating included into a bankruptcy. This account was reaffirmed in the bankruptcy and I have been making payments since the BK in XX/XX/XXXX. XXXX is reporting the account correctly with no late marks and nothing about being included in the BK. XXXX   shows me being delinquent XX/XX/XXXX but the account was paid in full on XX/XX/XXXX. XXXX  does not show the late mark but still shows the account included in the bankruptcy which is not the case. Again i reaffirmed the debt in the BK and have been making payments ever since.

Aslo this is a joint account with my spouse XXXX XXXX and the errors listed above are also on her 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 explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
INFORMATION ISNT ACCURATE IN MY REPORT. MORE THAN 7 YEARS IN FILE THS IS ILEGAL. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX : {$890.00} XXXX XXXX XXXX Balance : {$0.00}

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 2023-03-28
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a credit card with Barclays bank. 
It was charged off in XXXX with a balance of {$2000.00}. 
I reached a settlement with them for {$910.00} which is supposed to be paid by XX/XX/XXXX. 
I sent a check for {$910.00} which they received by XX/XX/XXXX and it was posted to account on XX/XX/XXXX. 
According to the agreement, " As of the date of this letter, your account balance is {$2000.00}. Once receipt of the agreed settlement amount of {$910.00} by XX/XX/XXXX ( plus an additional 15-day waiting period to validate funds ) is confirmed we will consider your account balance settled- for an amount less than the full balance - and will send an update to the credit reporting agencies '', they didnot update my credit reports accurately. 
On XXXX, they updated my credit reports saying I made the payment of {$910.00} and remaining {$1100.00} as still balance on the account instead of reporting settlement and making the balance XXXX according to settlement agreement. 
This inaccurate reporting is affecting my account status utilization ratio and thus affecting my credit score adversely. 
I reached out to Office of the presidents, Barclays for resolution but there is no resolution after two weeks of initiating a complaint with them. 
If they don't respond to this complaint and update my credit reports accurately by reporting a settlement when it was completed back in XXXX, I will bring a lawsuit against Barclays.

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 2023-07-05
Company: Experian Information Solutions 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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue I have encountered with TransUnion, a credit reporting agency. 

I recently noticed that an account appears on my credit report that I do not recognize. Upon further investigation, I discovered that the account was previously owned by a collection agency. However, I have since resolved this debt and the account is no longer in the hands of the collection agency. 

Despite my efforts to have the account removed from my credit report, TransUnion continues to report it as an active debt. This is not only inaccurate, but it is also causing damage to my credit score. 

I have contacted TransUnion multiple times and provided documentation proving that the account is no longer in collection. However, the company has not taken any action to correct the error. 

I am extremely frustrated and concerned about the impact this error is having on my credit. I am seeking your assistance in resolving this matter and ensuring that TransUnion correctly reports my credit history. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation