BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I will like for the CFPB and the FTC to see this blanket response from TSI regarding the dispute complaint that I sent them. Unless your office can provide debt validation within 15 days then I want this XXXX deleted from my credit report immediately. The CFPB and the FTC are to protect us from Third-Party debt collectors such as yourself. I attaching the computerized statements that they sent to me and this is NO WHERE debt validation. 

Not surprised from this reply ( enough research proves it ), I am requesting the method of verification for these disputed account ( s ) listed here along with the ( account names and # ). This is within my consumer right and accordance within Fair Credit Reporting Act 611 ( a ) ( 7 ). 

I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

TRANSWORLD SYSTEMS INCXXXX if not valid or verified properly, delete immediately. 
TRANSWORLD SYSTEMS INCXXXX XXXX if not valid or verified properly, delete immediately. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 
I demand these items to be provided which would be the name of source or contact, address, phone numbers, date, day, and time when contacted. I would also need type of item, date of first delinquency, date of last payment and if the account is open or account and if it is with the original creditor or a collection agency. Please send all documents with the information above. 

I am anticipating a time response to my request. If you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. 

Sincerely XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are unauthorized and have no purpose being on 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 2021-05-24
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
My Credit Score has been decreased due to what I understand is not correct! 
I had an Account with The Discover Credit Card, which was charging me certain money for not using the Card ; which to me was not fair ; and I decided to cancel that service not owing them any money, and they refunded an small amount that was in my account once I toll them that I did not want to have their service any more. 
Due to this Issue, the XXXX XXXX XXXX, lowering my Score in 34 Points, which was not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For open account that has invalid late payments should be updated in my credit profile report as paid on time. 
Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

For Open Account Invalid Latepayment XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-05-22
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX and XXXX XXXX XXXX ACCOUNT # 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

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 2023-08-03
Company: EQUIFAX, 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 hope this message finds you well. I am writing to formally dispute an account on my credit report that I believe to be a result of identity theft. The account in question is a XXXX XXXX account with a balance of {$2400.00}. 

I assure you that I have no knowledge of or association with this account. After thorough examination of my personal records and financial statements, I can confidently state that I have never entered into any agreement or incurred any charges with XXXX XXXX for the aforementioned amount. 

To address this issue promptly, I have already taken proactive steps by submitting an identity theft complaint through the official channel at identytheft.gov. This complaint includes all relevant details and supporting documentation related to the disputed account. 

Considering the severity of identity theft and the potential implications on my financial well-being, I kindly request your urgent attention and assistance in investigating and rectifying this matter. I would appreciate your immediate action to remove this account from my credit report until the identity theft investigation is concluded. 

Furthermore, I would like to request a written confirmation of the receipt of this dispute letter and regular updates on the status of the investigation. Please ensure that all communication pertaining to this matter is sent to my current mailing address on file. 

I have always maintained a strong credit history and have promptly resolved any legitimate financial obligations in the past. It is disheartening to find myself in a situation like this, and I trust that you will work diligently to rectify this matter and restore the accuracy of my credit report. 

Thank you for your attention to this dispute. I look forward to a swift resolution and appreciate your cooperation throughout this process. Should you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 do not recognize any of the inquiries I listed down below I wish to have those inquiries removed as soon as possible I have listed name of each inquiry and each date

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 2023-08-28
Company: Experian Information Solutions 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:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I have attached my FTC report and Police Report which I filed on my local Police department to testify that I am a victime of identity theft. I am in desperate need of this item to be INSPECTED and REMOVED. 

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 2023-08-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Adverse action discrimination is against the law Consumer/natural person XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX GA XXXX ALLY BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : APP NR XXXX RE : APP NR XXXX RE : APP NR XXXX how are doing TO WHOSOEVER IT MAY CONCERN YOU BROKE THE LAW I am writing this communication in regard to an adverse actions after filing out a consumer credit transaction applications with XXXX of XXXX I was discriminated against in this transaction my rights have been violated by making an unlawful decision congress has made it clear and concise that that i the natural person can not be discriminated for exercise my right to extended credit matter what the situation is pursuant to federal laws for example 15 usc 1602 ( f ) the term credit means the right grand by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 

My consumer credit card account was used and I did not receive ANY benefits from this transaction Pursuant to 15 usc 1602 ( p ) unauthorized use of my credit. the term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 



Pursuant to 15 usc 1691a I the consumer the natural person the applicant has in good faith excursed my right under this chapter. To extend credit.

Pursuant to 12 cfr 1002 Equal credit opportunity act ( Regulation B ) so an and so forth I got the proof that I was discriminated against by ALLY Bank and for that your now criminally liable for violating these laws With these discriminable action ALLY BANK is now involved in racketeering, fraud and swindling. and so, on I am willing to let this go if ALLY BANK do the right thing and reverse this decision and combine all offers made in one sum for a new property If not, I will pursuit forth lawful action. 

ALLY BANK has 20 days to remedy this action or I will proceed with forth LAWFUL action. 



NOTICE IS COMPLETE UPON RECEIPT I TRIED TO CALL GOT VOICE MAIL TWICE THANK YOU YOURS TRULY XXXX XXXX Looking forward for your speedy correspondence

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 2023-09-12
Company: EQUIFAX, INC.
State: MD
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Starting in XXXX of This year, I began contacting SLS regarding my PMI payment. According to my loan the PMI was due to come off my account as of XXXX. However, I have called them twice to put in the request and I also sent a certified letter. I was told that I would receive a response within 7 to 10 days, yet I have not heard anything in almost a month. I submitted proof that my home value has increased. I sent a copy of a home appraisal conducted by XXXX XXXX. My home is now valued at XXXX. I am currently on chapter XXXX, who have been sending them payments every month. 

I also want to complain that the way they process and apply payments is deceptive. Although, I am on Chapter XXXX and I see monthly payments to SLS, they continually show an increase in the amount in arrears. But never show all the payments being processed as payments. Some times I see them applied as un-applied credit. Other times I see them apply a payment, but then take it off.

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 2023-09-12
Company: EQUIFAX, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received an email that thanked me for opening an account with TD bank. ( I had never heard of TD Bank ) I was directed to the fraud dept and was on hold for over one hour but no one answered the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: LA
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:
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 resulted 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 identity theft!! Please delete these items IMMEDIATELY!

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 report under 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 consumer I am demanding the deletion of the accounts listed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23
Company: Bread Financial Holdings, Inc.
State: AL
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:
XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$210.00}, the amount they gave me to settle my XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Experian Information Solutions Inc.
State: VA
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 paid XXXX dollars to XXXX XXXX XXXX XXXX to reduce balance and to have a better score through credit utilization rate of XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX updated this information in the system but XXXX  did not provide updated information to three credit bureaus.

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