BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX Nc Last 4 of SSN:XXXX Date : XX/XX/XXXX I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows. 
Validation of Debt and HIPPA. Authorization Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FIDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the prov of service in connection with this alleged debt. Additionally, reporting of this debt to the credit bureaus prior to allowing them to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above-requested proof. Per the standard you have 30 days in which to respond to this request, or this debt will be considered invalid removal from the credit bureau 's expected or damages will be sought after. 
All accounts in dispute listed below. 

XXXX XXXX XXXX XXXX Balance : {$2000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 2023-09-30
Company: Experian Information Solutions Inc.
State: IL
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.

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 inructions 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 XXXX 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 explanation
Consumer complaint received 2023-07-24
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: Reporting company used your report improperly

Complaint:
I hope this letter finds you well. My name is XXXX XXXX and I am writing to dispute several inaccuracies that have appeared on my credit report, dated I have recently obtained a copy of my credit report, and after careful examination, I have identified some discrepancies that require immediate attention I believe these inaccuracies are negatively impacting my creditworthiness and overall financial standing. Below is a list of the disputed accounts along with their respective account numbers 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I wish to bring to your attention that the inclusion of the above-mentioned accounts on my credit report is erroneous and a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( B ). According to these provisions, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Any information that can not be verified as accurate must be promptly removed from the credit report Moreover, as per the FCRA Section 609 ( a ) ( 1 ) ( A ), I have the right to request verification of the information provided on my credit report. I kindly request that you conduct a thorough investigation into these disputed accounts and provide me with documented proof of their validity. If you are unable to furnish such evidence, I demand the immediate removal of these items from my credit report. 

It is crucial to emphasize that a fair and accurate credit report is vital for me to obtain loans, credit cards, housing, and even potential employment opportunities. These inaccuracies are unjustly tainting my financial reputation, and I am taking all necessary steps to rectify this matter. 

I trust in your expertise and professionalism in handling this dispute. The FCRA mandates that credit bureaus investigate disputes within 30 days of receiving a request. Therefore, I kindly request your prompt attention to this matter to ensure a timely resolution. 
Please provide me with a written response detailing the results of your investigation, along with an updated copy of my credit report once the inaccuracies have been rectified. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution and a corrected credit report that accurately reflects my financial history.

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 2023-07-14
Company: Experian Information Solutions 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: 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. 

Account Name XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2020-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a payment deferment for my home mortgage as a result of the current COVID pandemic. XXXX XXXX XXXX will only provide a forbearance for 90 days and that at the end of the 90 days, a balloon payment for the entire amount of the payments not made within that 90 day period including the current amount due would be due, in my case, totaling over {$17000.00}. I told them I could not afford that and they said that is all they could offer. I have had the account for over 14 years, never ever missed a payment or made a late payment. They're structuring this so that consumers like myself will fail by forcing the balloon payment rather than extending the term of the mortgage an additional 90 days. Bank of America is extorting consumers and the banks actions will lead to an enormous amount of foreclosures because consumers who were forced into forbearance during this pandemic will not be able to make up those three missed payments all at once. This is criminal!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$69.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXXXX/XX/2022 XXXX  XXXX XX/XX/2022

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 2023-11-21
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:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 2022-01-19
Company: EQUIFAX, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Here is my story : On XX/XX/2022 I found that Equifax decided to keep information my credit file illegally. I have researched the laws that protect me as a consumer against these predators called credit reporting agencies. I have outlined the accounts that will be removed from my credit file. The constant non-compliance from this non government backed agency whom I did not give permission to distrubt my credit file is damaging to my character, reputation, and holding me back from consumer transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the above are the accounts that i found the agency to be be in violation of reporting fotr me personally. 

Upon researching congress website I found Equifax to be in violation of the following violations of The Fair Credit Reporting Act more specifically these law pertaining specifically to my personal credit profile.

15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; As Equifax can see on my credit report they are not being compliant and are not respecting my right as a consumer. The law clearly defines what a consumer report should and should not have. Why are these companies and the information regarding an extension credit and credit transaction showing not only on my credit file but to other lenders as well? that is also an invasion of my privacy. I am not sure the Equifax agent who has been responsible for maintain my credit file but it is suggested that the due diligence be done to research and understand the laws and federal regulations your company is required to follow. 

To further explain, Under the Truth in Lending Act 15 USC 1602g, credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

As you are in violation, the accounts will be removed from my credit report effective immediately. In the event that you continue your non-compliance and continue to report these accounts on my credit file against the clear civil federal laws, I will make it my personal duty as a consumer to pursue further action at the federal level. After you deletion, I expect an updated copy of my credit report uploaded as a response to my CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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:
To whom it may concern, I asked credit bureau to validate these accounts its been several months since, never got a response. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX D.O.B XX/XX/XXXX RE SS #. XXXX TransUnion Consumer XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, 15 U.S. CODE 1681c2 a consumer 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! 
Name of Companies and account numbers. 
1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. CODE 1681b Permissible purposes of consumer report as they are ( 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 according with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violated my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts IMMEDIATELY! 
Please send me a new credit report reflecting the changes. 

Thank you, 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 2023-01-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, An amount of {$280.00} was charged to my checking account by XXXX XXXX XXXX XXXX XXXX. I clarified that this transaction was unauthorized, but since I XXXX have ( or the agent at Wells Fargo ) mistakenly stated that " I never received the items purchased '' now Wells Fargo will not recover the funds even after I clarified afterwards that the transaction was not authorized. I received an unsatisfactory response from Wells Fargo as if my complaint was not comprehended. The response ( attached ) did not acknowledge the fact that a mistake has been made in regards to the transaction. Wells-Fargo stated that, " We reviewed the interaction had with our XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022, when you filed the claim, and we can confirm that you verified multiple times that the transaction was valid and authorized, but you didnt receive the merchandise purchased. '' Me saying that it was an authorized transaction was the mistake. Are you telling me that mistakes are not allowed? Like I said before, it was a mistake. This transaction was mistaken with a different transaction. 

Only I can decide whether the transaction was authorized or not. There was no compelling evidence because the transaction was simply mistaken with a different transaction.

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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do 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 non-monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Around XX/XX/2023 my bank That I had a checking Account with was Closed due to Suspicious Activity which resulted in XXXX XXXX XXXX Reversing a payment or part of a payment around the Amount of {$300.00}. Instead Of the Lender Reaching out to me and informing me, I discovered the incident while trying to Pre-qualify for a home loan. The lender Did not Send a delinquency notice By Mail, Email, or attempt to collect By Telephone. The incident caused my credit scores to plummet. I believe when such incidents as such occurs it should be The lenders responsibility to Reach out to the consumer to resolve the matter before making negative remarks. This reversal occurred around 45 days after the payment of {$440.00} was made. My personal Banking Institution Returned the funds reversed By XXXX to A new Checking account and If the lender had taken proper Protocol and procedure I could have taken the opportunity to correct the adverse action. However they took it at their own liberty to Report the loan deficient. They did not make any contact with me to inform or allow me the chance to correct the discrepancy causing me to Be Denied of Obtaining A mortgage Pre-approval. The original payment was made and they made the decision to reverse the payment. Without informing me of that, and allowing me to remake that payment to stay current. This affected me and caused me to have to request An loan extension which couldve been used some other time of hardship to become current on the loan

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