BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
TransUnion refuses to abide by the FCRA and remove unverified and unauthorized items from my credit file. This is a Defamation of my character and it is affecting my ability to purchase a home from my family. 

XXXX refuses to abide by the FCRA and remove unverified and unauthorized items from my credit file. This is a Defamation of my character and it is affecting my ability to purchase a home from my family. 

on XX/XX/2022 I sent a letter to both bureaus expressing the fraudulent and unauthorized accounts that are reporting illegally to my credit file, I also asked for them to send me proof of their investigations in which they have failed to do, and I asked for them to send me proof of them validating that the debt that they are claiming I owe, with documents bearing my signature, and they still have not yet done so.

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 2023-03-01
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 2017-03-27
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My daughter under direction of her father and boyfriend was advised to apply for private student loans for college, they cosigned for XXXX and I was forced to cosign for another. I was never provided a copy of the actual loan terms or the fact that the payment would never be based on her income when it came time for repayment. She is XXXX and working part time due to her current medical condition and can not make the payment amount they are requiring ( $ XXXX/month ). In 2016 she paid almost XXXX in interest alone and only XXXX is tax deductible. If I would now begin to assist her with these payments I can not deduct any of the interest. I just want her to have the entire loan amount renogiated for a reasonable interest rate with the payments based on her income. If I could also have this removed from my credit that would be good since this was not a loan I had full disclosure on and now my credit score has been so damaged that I can not get a car loan and I am now constantly harassed by Navient phone calls. Please help. She is XXXX yrs old and entirely on her own, without some real help, she will never be out from under this burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Pinnacle Asset Management, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Received a call stating that I owed money for a breach of contract with a payday load from 2013. I had informed them that I did n't have any open accounts at XXXX Bank at the time except for a health savings account which had no transaction history. The woman said that she thought this was fraud and would review with her supervisor -- -a few weeks later I got a call stating that I wold be taken to court if I did not pay and that in their system there were no notes about previous conversations and I needed to pay the balance or go to court. They offered me a settlement amount that I paid. I reviewed all of my bank account statements after and was unable to locate anything they were talking about. They said this loan came from XXXX XXXX XXXX and it was XXXX loans

Company response to consumer: Untimely response
Consumer complaint received 2023-10-09
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
What's going on there at the CFPB and at Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially ... and I would truly not what to pursue a legal remedy... PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

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 2022-11-02
Company: Experian Information Solutions 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 XXXX Compliance of the FDRA XXXX XXXX XXXX XXXX Florida ( XXXX ) Account related to XXXX and XXXX has violated my rights. 

Under the code 15 USC 1681 section 602 it says I have the right to have privacy and section 604A Section 2 says that the consumer reporting agencies can not give out any of my income without my knowledge or written consent to do so. 

Credit reporting agencies can not place a late payment on an open end consumer credit plan so says the 15 USC 1666B law. 

Also with 15 USC 1681a law Exclusion says that consumer report term does not include any of the reports containing transactions and or experiences between a consumer and the person making the report. 

IRS states that any creditor that writes off an account as a Charge Off files a XXXXC to establish the account as income. And income does not get reported on the credit profile. So the consumer reporting agencies are violated my rights reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed information reporting incorrectly on my credit report with Transunion File # XXXX. Transunion reported back to me that there was no change and the information would remain. However, the information is not correct and Transunion has refused to disclose there source of information or to delete the incorrect information. The information disputed was a wage earner chapter XXXX supposedly filed XX/XX/XXXX & and an chapter XXXX from XX/XX/XXXX. Pursuant to 15 USC 1681i of the Fair Credit Reporting Act ( FCRA ) ; I demand that the items mentioned in this dispute letter be verified & deleted from my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 has violated my right to privacy and reported information without my written consent which is illegall and against the law. 

Below are the codes that were wrongfully used. 

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

15 U.S.C 1681 section 604. It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX has harrassed me for months with unsolicited calls and vociemails, and by reporting wrongfully used information, my credit score has drastically dropped by XXXX points. 

I would like this item removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
This account is suppose to be removed from my report. You are refusing to do your job under FCRA and failure to comply will result in a lawsuit. I will attach documents to prove I am requesting this matter be fixed quickly. I have enclosed my driver license with my current address, my birth certificate and the letter in reference to said account.

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 2022-10-07
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX is falsely reporting I paid account late from XX/XX/XXXX until XXXX of XXXX! I made all payments to XXXX and the payment was on time! This is fraud XXXX XXXX XXXX is committing! Also the credit Bureaus all three refuse to remove the false late payments from my credit report! 

I paid the car loan off in XXXX! Because of XXXX deceitful business practices! Due to XXXX fraud of reporting my payments late my credit is ruined! My score will XXXX below XXXX and this false late payments information XXXX is reporting on my credit is hurting me because I being denied a home! Cant get an apartment nor credit! The late payments were removed and in XX/XX/XXXX XXXX reported to the credit bureaus these false late payments! I made all my payments on time and never was late! I paid the loan off in XXXX and to date the credit bureaus is unlawfully saying this account that I opened in XXXX and paid off in XXXX will remain showing these late payments until XXXX! This is against the Fair Credit Laws! I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 numerous 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 extortion. 
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 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 2023-03-23
Company: Experian Information Solutions Inc.
State: OR
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.

PLEASE SEE ATTACHED 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 2023-04-17
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:
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 AL
SO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2017-04-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had an automatic payment checking ( XXXX ) account that I closed months ago. I have used this account to pay ALL my bills including OCWEN. As it turns out, OCWEN is the only company I am having a problem with since I closed my checking account. OCWEN computer software is outdated. It keeps trying to collect my mortgage payments even though my checking account has been closed for months. They keep charging me late fees even though I am making payments from a different account ON TIME. In fact, I can not longer make payments through their system since my account has been " late '' so many times. Because of this, I am now mandated to make payments in certified funds ... which I also have to paid extra fees! I am a very busy professional with a challenging schedule and these events are really creating a large amount of pain and suffering. All of these due to their incompetence and inability to solve the problem even though I have called several times!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/21 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have always made my payment on time each month and in XX/XX/2021 I paid my card off in full. My limit on the card was {$600.00} and then in XXXX my limit was decreased to {$300.00}. I noticed this in XXXX and called Target to ask why they had decreased my limit. They could give me no explanation and wanted to do another hard pull on my credit to try and raise the card limit back to what I was originally approved for. All of my other credit cards are also in good standing and I make all my payments on time. I do not understand why Target lowered my limit when I have been a good customer. This obviously makes me want to do business elsewhere and I am contemplating closing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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: Public record information inaccurate

Complaint:
I have disputed this several times with Equifax and they refuse to update to reflect the correct status on my bankruptcy. They are reporting my status as a " discharged  XXXX XXXX XXXX when it is a " Dismissed XXXX XXXX '' I have provided documentation several times, as well as they finally updated my wifes report to correct it. They did not do their diligence in contacting the State of Iowa to confirm, if they did, they would know that is was dismissed and they are reporting it incorrectly.

Company response to consumer: Closed with explanation