BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
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: Investigation took more than 30 days

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Idaho Housing And Finance Association
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Two part issue, back when covid happened I missed one payment. I and XXXX tried to resolve the problem through their company they would not speak to anyone. I tried again to get it resolved and they lied and told Texas Payment assistance I was not delinquent, so I decided to sell my home. When the title company contacted them about payoff they didnt want to give them a amount.Instead of giving them the correct amount they gave them an amount for the loan I had with them and a old loan that was forgiven and they waited until they got the payment and then reported to all 3 bureaus I was delinquent and claiming Im not making payments and I have a XXXX late payment and a balance of XXXX I sent the CD from the title company to the bureaus and they said they had to go with what Homeloanserv/Idaho Housing Finance report to them.Act # XXXXThe house was sold and paid off on XX/XX/23. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Texas XXXX made this fraudulent report to the credit bureaus on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted the Credit beer about these closed accounts that are old and some of them arent even mine. I requested proof of dad or for them to remove these old accounts and they have not. XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$11000.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$6400.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$300.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$620.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} Balance updated 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 2023-06-22
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-04-14
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX Last reported XXXX XXXX, XXXX {$310.00} XXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF ED/XXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/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 explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 trust this letter finds you well. I am writing to bring to your attention several discrepancies in my credit report that are in violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically USC 1681. 

List of Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the provisions outlined in the FCRA : 15 U.S.C 1681 Section 602 A : Affirms my right to privacy.

15 U.S.C 1681 Section 604 Section 2 : States that a consumer reporting agency can not furnish an account without my explicit written instructions.

15 U.S.C 1681 ( a ) ( 5 ) Section : Prohibits any consumer reporting agency from including certain adverse information in a consumer report, particularly any adverse item that antedates the report by more than 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) : Specifies that no person shall furnish inaccurate information to a consumer reporting agency.

Upon careful review, it is evident that the listed accounts [ List Accounts ] on my credit report are inaccurate and in violation of the aforementioned FCRA sections. In light of these violations, I am formally requesting the immediate removal of the mentioned accounts to bring my credit report into compliance with the FCRA. 

I understand that the FCRA mandates a timely investigation and resolution of such disputes. I kindly request that you conduct a thorough investigation into the accuracy of the listed accounts and take prompt action to remove them from my credit report. 

I appreciate your attention to this matter and anticipate your swift resolution in accordance with the FCRA. Please provide written confirmation once the investigation is complete and the necessary corrections have been made to my credit report. 

Thank you for your prompt cooperation. 

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 non-monetary relief
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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, XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. Section States : No consumer reporting agency my make any consumer report containing any of the following items of information, Any other adverse items information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency the person knows or has reasonable cause to believe the 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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to XXXX, Transunion, and XXXX advising them that the information on my credit report was incorrect. I sent in my driver 's license, Social Security Card, and a piece of mail with my current address in which I reside. All I received was a letter stating that I must send in identification to change the information. I provided my letters sent in XX/XX/2023 and all I've gotten in return is a letter stating to verify who I am.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance : {$33000.00} ; U S DEPT OF ED/XXXX  XXXX Balance : {$38000.00} ; XXXX XXXX XX/XX/2023 .

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 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Incorrect information 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 non-monetary relief
Consumer complaint received 2020-06-08
Company: Dynamic Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my son 's account. Notified the original creditor, XXXX XXXX , XXXX account # XXXX in the amount of {$180.00}, that my son is incarcerated and would be there for an extended period of time. This debt, in turn, was passed on to another creditor, by the name of XXXX XXXX XXXX XXXX reference # XXXX. They were given the exact same information that the original creditor was given. Then, the current creditor, Dynamic Recovery Solutions , LLC, or DRS for short, address : XXXX XXXX XXXX. XXXX, SC XXXX reference # XXXX has just mailed me a collection letter dated XX/XX/2020 expecting payment in the amount of {$180.00}. I have not called the current collector as of yet since I just received this particular communication this morning. The facts are as follows : I am not a co-signer on this bill. This bill is in the name of my son, Mr. XXXX XXXX ONLY, and I had and have absolutely NOTHING to do with this at all! You have the names of three ( 3 ) creditors now, but this has been going on off-and-on for at least five ( 5 ) years, and I want it to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with credit acceptance ( acct # XXXX ) which is up to date. The loan was both in my husband and my name. My husband totaled the car, and his insurance company, XXXX paid {$10.00}, XXXX on XX/XX/2020. I called and spoke to a representative about the remaining balance in the beginning of XXXX and requested that my credit score be updated within 30 days. Afterwards I made arrangements to pay off the balance of the loan and made a payment of {$480.00} on XX/XX/2020. This brought the balance current. The representative stated that my credit score would be updated by XX/XX/2020 to reflect the current balance. I checked my credit report with all three agencies and it is reflecting a balance of {$17.00}, XXXX Credit acceptance requested an additional 30 days to correct the balance although I stated that I am aware of my rights as a consumer and that the company legally has 30 days to respond to correspondence/communication regarding accurate account balances. I spoke with XXXX, XXXX ( supervisor ) and XXXX in the corporate office, whom requested that I just keep calling the company until I can reach someone from their credit reporting division.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30
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 had recently contacted all three major credit agencies. XXXX, Transunions, and XXXX. They are violating the fair credit reporting act and the consumer protection act. I explained to them how they are doing so. They ignored it and still continue to validate fraudulent information with telling or showing proof of there claims. I do not know how they got this information with my written consent or permission to do so. Each violation is subject to {$1000.00} per each violation in consumer law and also the courts.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report, which contains several negative items that I would like to dispute. Specifically, I have identified several pieces of personal information and credit accounts that are either incorrect, questionable, or fraudulent. 

Firstly, I would like to address an inquiry made by XXXX on XX/XX/XXXX. I have no recollection of authorizing this inquiry and suspect it may be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Secondly, I have identified an account under XXXXXXXX XXXX with the account number XXXX. I find the name and number of this account to be questionable, and I request that you either clarify this information to me or delete this account immediately from my credit report. 

Thirdly, there are several pieces of personal information on my credit report that are incorrect. These include the account name XXXX, XXXX, the account name XXXX, XXXX, and the account name XXXX, XXXX, XXXX. None of these names belong to me, and I request that they be deleted immediately from my report. 

In addition, there are two addresses listed on my credit report that are not correct. The first is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX, and the second is XXXX XXXX XXXX XXXX XXXX, WI XXXX. Neither of these addresses belong to me, and I request that they be deleted immediately from my report. 

Furthermore, there are two accounts listed under the names XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, respectively. Neither of these accounts belong to me, and I request that they be deleted immediately from my report. 

Lastly, I would like to address two accounts under XXXX XXXXXXXX with account numbers XXXX and XXXX. For the account number XXXX, I request that you verify the payment status, balance, comments, payment history, and account number, as they may be incorrect. For the account number XXXX, I find the name and number of this account to be questionable, and I request that you either clarify this information to me or delete this account immediately from my credit report. 

I trust that you will investigate these matters thoroughly and take the necessary steps to remove any incorrect or fraudulent information from my credit report. Thank you for your attention to this matter. 

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 non-monetary relief
Consumer complaint received 2023-12-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
The items listed below are only a few discrepancies The mortgage company didnt apply full payments the payments were not applied according to transaction history ( where did the money go to if not applied ) I was not given a Right To Cure Default Notice before the foreclosure according to Massachusetts Law one must be given Deed dated XX/XX/XXXX the bank has is not legal A deed to the property was signed over on XX/XX/XXXX I have been a victim of Predatory lending A Federal Truth In Lending dated XX/XX/XXXX was signed for XXXX the bank claims loan was XXXX difference of XXXX As of XX/XX/XXXX the bank claims there is XXXX owed on loan where did my payments go to, I have already paid over XXXX in interest according to the tax forms I have received Items listed under Disbursements To Others on Settlement Statements dated XX/XX/XXXX and XXXX XXXX the lender list amounts they paid to creditors the amounts lender claims to had paid were amounts more then was actually owed to creditors I was charged for homeowners insurance for several years which should not of happened because I had obtain and paid for my homeowners insurance which my insurance carrier sent policies to make the mortgage company aware Several times throughout the years the bank claims they paid taxes which were already paid by myself

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: Their investigation did not fix an error on your report

Complaint:
I had reached XXXX bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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