BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
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:
Dear Transuninon, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX, XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I REQUESTED ON XX/XX/23 I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

I REQUESTED ON XX/XX/23 I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 


I REQUESTED ON XX/XX/23 I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately .CREDITOR DID NOT UPDATE MY ACCOUNT THAT A PROPER investigation WAS MADE. THE COMMENT SECTION ON MY CREDIT REPORT AS OF XX/XX/23 HAS NOT UDATED SINCE MY FIRST DISPUTE ON XXXX PAYMENT STATUS IS LATE 60 DAY AND THE ACCOUNT IS PAID AND CURRENT. UPDATE TO PAYMENT NEVER LATE OR REMOVE FROM MY CREDIT REPORT FOR FAILURE TO COMPLETE AN investigation ON MY ACOUNT

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-02-17
Company: EQUIFAX, INC.
State: SC
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:
To whom it may concern : Please be advised that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. The unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the second time that you provide the method of verification you used along with my wet signature. A letter was never sent to my current address or verified. I requested the following information : 1. The name of the individual business address and telephone number of the person or business contacted during your reinvestigation.

2. The name of the person who verified the dispute with the original creditor.

3. The documentation that was used to verify the dispute to date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database including my wet signature ). 

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Provide Verification XXXX XXXX UNVERIFIED ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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 seven endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, these creditors XXXX, XXXX, and Transunion are violating my rights under XXXX5 usc 1681 section 602 which states I have a right to privacy and 15 usc 1681 section 604 ( a ) section 2 states a consumer reporting agency can not report furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor may not treat a payment on a credit card account under an Open end consumer credit/revolving plan as LATE for any purpose.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-10-01
Company: Experian Information Solutions 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:
I am reaching out to challenge an inconsistency identified in the " PAYMENT HISTORY '' section of my credit report, specifically in relation to the following account that has been charged off : Account Name : [ XXXX XXXX XXXX  ] Partial Account Number : [ XXXX ] Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

Upon review, I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. 

Under the Fair Credit Reporting Act, XXXX XXXX Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. 

Due to this apparent oversight, I insist on the immediate removal or " XXXX '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. 

I appreciate your prompt attention to this crucial matter. 

Yours sincerely, 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 2023-10-01
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX and Experian has failed to verify the debt listed in the letter under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX experian and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I booked a 3 day trip with American Express travel - booking confirmation # XXXX. AMEX XXXX 's stated costs for the trip were as follows : Total Trip Cost : {$600.00} - Room for XXXX nights : {$380.00} - Additional property fees : {$150.00} ( resort fees are due and payable at the resort! ) - Tax on the Room : {$68.00} AMEX billed the entire amount of {$600.00} - which included fees that were due and payable at the resort ( {$150.00} ). 

AMEX tried to suggest that the actual costs were : Room for XXXX nights : {$380.00} Estimated taxes and fees : {$220.00} Additional property fees : {$150.00} Total cost using AMEX logic : {$760.00} AMEX is flat out wrong. I confirmed with the XXXX hotel that the {$68.00} represents the actual taxes and fees for rooms. The {$220.00} in estimated taxes and fees includes the {$150.00} resort fees and taxes- which are payable directly to the hotel ( and should not have been charged by AMEX ). 

AMEX made a simple error and double charged me for taxes and fees that were also then collected by the hotel.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions 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:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 2023-10-01
Company: Experian Information Solutions Inc.
State: MN
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 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 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 2023-04-12
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: Account information incorrect

Complaint:
Both TransUnion and XXXX are reporting different information about account XXXX. I have not received anything verifying this account, but it is reporting in accurate. Both have different open dates, both have different last active dates, I have no payment history at all to verify anything! 

Please remove this account for being unverified and 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 2022-12-03
Company: ALLY FINANCIAL INC.
State: VA
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:
My personal information was given out to unknown unreported inquirer and no information was given or no notice given. My account was used to give a creditor I had no Affiliations with inquiry to my personal banking. XXXX XXXX  abused length of account 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 2018-05-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
PRIVACY ISSUES - REPEATED DISCLOSURE OF CONFIDENTIAL INFORMATION XXXX XXXX via their attorneys continues to disclose my confidential information on my dispute with them, to the former owner of the house I rented and her attorney -- without my permission or approval. In fact, I told them NOT to do that. When they ignored me and once again divulged confidential information about my dispute with XXXX XXXX, AND MY MAILING ADDRESS -- I submitted CFPB complaint # XXXX at the end of XX/XX/XXXX for illegally disclosing my private information. ( XXXX XXXX wrote me a letter regarding that dispute, but told CFPB it is not their complaint. This is a lie. ) Instead of stopping their practice of illegally including people not a party to my complaint with XXXX XXXX -- on XX/XX/XXXX I received a letter at my home dated XX/XX/XXXX in response to my recent complaints. It stated I am not the owner so they reuse to respond to my complaint ( even though it has nothing to do with the owner ) -- AND THEY COPIED THE FORMER OWNER AND HER ATTORNEY WHO HAVE NOTHING TO DO WITH MY COMPLAINT!!! NOT ONLY THAT -- THEY INCLUDED ALL THEIR PRIOR LETTERS EVEN FURTHER DIVULGING MY PRIVATE INFORMATION ABOUT THIS COMPLAINT AND MY MAILING ADDRESS, WHICH IS NOT PUBLIC KNOWLEDGE WITHOUT MY PERMISSION. 

THEY ONCE AGAIN DIVULGED MY CONFIDENTIAL INFORMATION. 

Since XXXX XXXX steals their clients identities to open unauthorized accounts, they obviously do not take private data seriously. They seem to believe they can do whatever they XXXX well please. 

I notice although XXXX XXXX wrote me a letter they refused to respond to my complaints, they responded to the above complaint to you that they are the wrong party. They also claim this is the same issue they responded to. This is also a lie. Despite multiple complaints different in nature, XXXX XXXX has not appropriately responded to any of them. 

The owner of my rental is XXXX XXXX. Their name is on the deed. The name of the TWO cases trying to illegally evict me as a renter with PTFA rights was XXXX XXXX. Further, in a deposition of Spring XX/XX/XXXX, OCWEN testified under oath at least 17 times they are operating under the direction of XXXX XXXX. OCWEN further testified that they had power of attorney and the law firm XXXX XXXX XXXX is operating under the direction of XXXX XXXX. 

Since XXXX XXXX 's agent XXXX XXXX XXXX, and their employee XXXX XXXX XXXX persist in divulging my confidential information, they need to answer for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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:
I have sent 3 certified letters to get inaccurate inquiries, addresses and collection account removed. I have sent in my ids and police reports yet they claim they never received ANY of my certified letters. I have over 20 inquiries that resulted from the fraud and had incorrect addresses on my report too last certified letter was sent XX/XX/XXXX. 2022, I have called over 11 times to get this corrected. Months later and still not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: SC
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 a collection XXXX from XXXX XXXX which was fraud. My brother use my personal information with my consent. The amount of the collection in the amount of {$900.00}. I have small loan inquiries which I never applied for. I already informed the FBI about the issue. And I am a victim of mail theft and identity theft.

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