BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good afternoon, I've recently been aware of a remaining bill from XXXX  after checking my credit score and saw I had a collection. Almost a year ago, XX/XX/2023 I called finity letting them know my circumstances and that I'Il have to stop my service. The person I spoke to was able to waive the cancellation fee and told me my balance was clear, I would just have to return my equipment back. It took a little longer due to having to move but once I returned all my equipment, on XX/XX/2023 I called finity again where they verified what the workers at the XXXX  had communicated to me, which was my account was cleared but to hold onto my receipt in case of issues. Now almost a year later I'm getting billed from XXXX  of about {$120.00} I've tried to reach XXXX  countless times through their phone number where I never got ahold of a representative, I tried to use the call back feature but was unable to due to problems logging into my account and I even messaged them on XXXX because I heard we can reach a representative but again was no help. I finally located the headquarters number where I spoke to a representative letting them know I have no problem paying the bill I was just never notified, I wasn't called nor sent an email with these charges and due to moving never got a letter. The representative told me they will try to remove the collections, that they will send me an email but I never received an email and I called XXXX, XX/XX/2023. I received misinformation and was hit with a bill almost a year later with no notice. I would like this bill completed removed from my credit report and will happily pay it if a representative reaches out to me, which again they haven't.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: CA
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 writing to dispute this account that appears on my credit report. FAMILY SUPPORT DIV XXXX XXXX # XXXX I believe that this information is inaccurate and should be removed from my credit report.

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ).

These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction.

The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report.

As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.

Therefore, I respectfully request that you review your actions and policies to ensure that they are in compliance with the aforementioned court ruling and all applicable laws and constitutional principles. If any of your actions or policies are found to be in violation of the ruling, I request that you take the necessary steps to bring them into compliance.

Thank you for your attention to this matter.

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 2024-01-03
Company: Experian Information Solutions Inc.
State: NJ
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 have received 6 emails from two Experian representatives. 

XXXX XX/XX/XXXX XXXX Experian smart money digital checking account with {$1000.00} offer XX/XX/XXXX XXXX New Credit card offer XX/XX/XXXX XXXX balance ( {$960.00} ) transfer offer to a new card Due to the nature of credit report company, thy company must know the customer 's monthly payment ; therefore, I need to ask which month of credit card owing amount you mentioned here. I have checked the credit report from XXXX at this moment, and unable to find out any month in which I was charged {$960.00} for more than 2 years. Kindly, would you explain this discrepancy with another major credit report company in the United States, as another major credit report company, Experian. 

XX/XX/XXXX XXXX view full credit profile, which usually ended up to the credit card offer site XXXX XXXX credit report, which is same. I requested to send the formal printed out report, if this office and other office continues to change the content. Just give me the printed one as their evidences, compare the contents, and disputes.

I attached the screen shot of one email which this office says the important information. There are two issues. I continued to send the printout to the office, XXXX XXXX XXXXXXXX, XXXX, TX XXXX, the copies of social security number and driver 's license, same as other credit reports companies. I realized this addressed Experian office asked me the removal of my name from pre-approved credit offer mailing lists. This office sent me another postcard yesterday. In total, this office sent same postcards, which scanned and attached at least four times. In email from above-mentioned which starting from 'dispute ' asked me to submit my personal identity proof and address proof, such as " One copy of a utility bill, bank or insurance statement, etc., '' which I have never asked to be submit by other credit union companies, except recently received credit card offer company, 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 2021-03-04
Company: EQUIFAX, INC.
State: WI
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:
I have two open accounts with XXXX XXXX and the utilization is at 6 % and XXXX for the last 4 months has been reporting my use on the two XXXX XXXX accounts at being 47 % utilization. 
These reports are in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ON XXXX XXXX XXXX  TRANSUNION illegally and unethically obtained my mortgage property information WITHOUT AUTHORIZATION and then DROPPED MY vantage and FICO SCORE BY XXXX XXXX for no reason!! TRANSUNION also could have been responsible for dropping my FICO score as well. What they are doing is illegal and unethical under FCRA!! there is no reason for this score drop I have paid all my bills on time and decreased the balances every month on my mortgage and credit card for over 3 years now including this month with no PROBLEMS. TRANSUNION is causing me pain suffering and emotional distress. I'm a XXXX XXXX and person and costing me hundreds of thousands of dollars in future loans due to their dropping my FICO and vantage scores!! OVERNIGHT arbitrarily and capriciously!!

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 2023-01-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, a pending charge of {$200.00} was put on my account. I called Wells Fargo immediately to advise that I did not make the charge and did not receive the merchandise. I also informed them that I had shut my card off and ordered a new card due to card being misplaced and also getting message that someone XXXX try and charge my card. I also asked them to put a stop pay on this charge and paid the fee of {$31.00} I was also expecting funds of {$200.00} to be deposited into the account from a loan company. Wells Fargo waited until after XXXX XXXX  to deposit the funds into my account and also until after the false charge of {$200.00} had been added so that my account would go negative. 
This was a set up and they deliberately caused my account to become overdrawn. 
So, I need to be refunded the {$200.00} for merchandise that I did not receive and refunded the {$31.00} fee because they failed to stop payment on the charge. I admit that I have not always kept a perfect account but this was a set up and a trap. So, please refund my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: NJ
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:
My XXXX credit card account, which has been reported as a charge-off on my credit profile. I have not received a 1099-C form from the creditor, despite my understanding that they received a tax write-off related to this debt. I kindly request documentation demonstrating their right to report this as a debt or, if unable to provide such evidence, the immediate removal of this account from my credit profile.

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 2023-06-21
Company: Experian Information Solutions Inc.
State: MD
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:
When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please correct the unverifiable items : XXXXXXXX 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 explanation
Consumer complaint received 2019-09-11
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To Whom It May Concern, I bought a cruise ticket of XXXX XXXX XXXX XXXX XXXX XXXX ( promoted as XXXX cruise ) from XXXX XXXX XXXX ( XXXX ) for {$990.00} on XX/XX/2019, which was scheduled to sail to XXXX, XXXX, because I wanted to visit XXXX on cruise. But two days before departure, XX/XX/XXXX, they informed us that they are not going to XXXX but to some unknown private island instead. Then I contacted XXXX immediately and told the XXXX representative that what I wanted and booked is a cruise to XXXX not to some private island. I wanted to cancel my trip and get refund. But he did not allow me to cancel even though the cruise lines policy gave all the passengers of cruise going to XXXX the option to cancel and get full refund. I told them several times that I wanted to cancel the trip and get a refund. Then I called my credit card company, XXXX XXXX, and told them the story and they did a chargeback. I did not go to the cruise. About one month later, XXXX sent me a collection letter in the amount of {$1400.00} ( I have no idea how {$990.00} had become {$1400.00} ) in the name of Fidelity Information Corporation, which listed the same address of XXXX, basically stating that I do not know where this debt {$1400.00} comes from. If they report it to a credit bureau ( or have already done so ), please indicate that it is disputed. I sent this letter by certified mail but it was returned as Return to sender attempted not known unable to forward. Today I found out that they reported to credit bureaus, at least TransUnion. 
When I booked the trip I just give the representative my credit card number. He did not give me any their policy and we did not sign any contract or agreement. I did not provide my SSN. 
It is ridiculous. They were not able to provide the service I booked ( cruise to XXXX XXXX so I canceled the trip and did not go. The credit card issuer did a chargeback for me. How could XXXX try to collect {$1400.00}, {$450.00} more than {$990.00} ( I have no idea where this comes from ) and reported it to credit bureau ( s )? They did not even say where this {$1400.00} comes from and why I owe them this sum of money. Are they allowed to do that? Can they just make up a sum of money at their will and send you a collection letter and report to credit bureau without any evidence? It is legal? If not, should they be punished accordingly? 
Thank you. 

Best regards. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX set up payments with me to pay off the account. The last communication was on XX/XX/2023 in which they accepted a payment. I asked if I had to call in every 2 weeks to make the payment and was advised " yes because of the way the account was set up ''. At no time did they notify me that the account was being sent to collections. Additionally, I never received any notification in writing. 

After accepting the payment on XX/XX/2023 my credit was flagged on XX/XX/2023. The account is paid in full. I requested a payoff letter which they advised I would receive and I have not received it. I also requested for a good will deletion from my credit report under the basis that XXXX NEVER indicated this account was being sent to collections Instead, they set up payments, accepted them then did a bait and switch thus ruining my credit. 

As a long time customer is very disturbing that XXXX would deceive a consumer in this manner. The representative could have very well been honest about the account on XX/XX/2023, instead they withheld information that could have been corrected that day. 

I am requesting that this negative impact be removed from ALL 3 credit reporting agencies immediately. 

I am unable to send any documentation with this complaint because XXXX never sent anything in writing. I only have my bank statement where they were paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-12-21
Company: Experian Information Solutions Inc.
State: MD
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 complaint is against, XXXX, XXXX, and Experian. 
Problem # 1. All three credit reporting Agency refused to remove a negative account with XXXX, after so many attempts explaining there account was paid in full at the time I terminated my service. 
All three credit reporting easily take side with XXXX, choosing to not give my dispute any type of credibility. 

Problem # 2, All three credit report Agency, XXXX XXXX and Experian continues to report an old account that was in collection as still being in collection even after the fact it has been settled by the owner of the account. I was a co-signer on the account to help a friend get for a rental properties, but the signer of the account settled the account and paid in full. 

Problem # 3, All three credit report Agency, neglectfully assessing my three digit credit score number below 680. I have over {$110000.00} Credit line, with only a 10 % Debt to ratio outstanding balances. 20 years of excellent credit history, Mortgage paid off within 19 years. My credit score should be at the lowest 790 and 850 at the highest. These credit reporting are bias and work for the best interest of Banks, Lenders and Credit Card Owners. 
I am trying to take an equity credit line to pay for XXXX of my children college tuition and home improvement, but the lower credit score reported than my credit worthiness deserve, has caused me a great deal of disadvantage. 
This is just an abuse of a power of these three credit reporting agencies. They are simply working against us consumers. They take every opportunities to destroy us consumers after us being  building our credit for decades. These reporting agency do not care to look at the totality of our credit history, we could have 20 years of excellent payment history, and one day we face a creditor trying to collect on account that we dispute and we refuse to pay it because we do not owe it,???? then the credit reporting agency instead of allowing us to exercise our right to dispute it, they side with the creditors and the destroy our lives. They work for them not us the consumers. this has to be STOPPED

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