BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern : This is a follow up to previous dispute of the unverified negative items on my credit report. On XX/XX/XXXX, I mailed you a letter disputing ( XXXX ) accounts as fraud, certified mail with return receipt requested. I received notification that you had received the dispute letter in the mail on XX/XX/XXXX. I have not received a response from your company as of XX/XX/XXXX. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed. 

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter Outlining the disputed accounts.

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( XXXX ). 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required Thank you in advance, 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 2023-07-05
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the platinum card and was temporarily denied due to a late payment. The late payment was the result of an ACH issue with XXXX and they provided documentation to explain why the payment was returned. I made a payment the same exact day for the amount due because of the mishap. 

I called customer service reconsideration to explain and tell XXXX the agent that I would like to be reconsidered. He said he didnt have access to help and he had to escalate the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Id like to file a complaint against TransUnion for violating section 611 Of the FCRA. Ive filed complaints with TransUnion for reporting inaccurate information. TransUnion verified the accounts in questions and said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both TransUnion and all the data furnishers listed below the required letters and I have not received anything from any of the companies. Ive further sent TransUnion request to remove these items for lack of response & theyve ignored my requests to remove the items which I know are inaccurate. TransUnion is now violating section 611, 609 & 623 and Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX PXXXX XXXX XXXX XXXX  ) XXXX Balance : {$960.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00}

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 2018-05-07
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: Account information incorrect

Complaint:
On XX/XX/XXXX I reviewed my Equifax credit report and noticed they are the only credit bureau reporting this inaccurate account. 
There is a repossessed vehicle on my account which was completed in XX/XX/XXXX. Since then somehow Equifax is reporting that this account is on time from XX/XX/XXXX and that there are 3 late payment in XX/XX/XXXX as well as on time payments for XX/XX/XXXX. 
I am entitled to all accounts being verified with appropriate information. This is having an extremely negative affect on my credit health as well as my reputation. 
The company that is reporting seems to change the months that are late. A previous report showed a different set of months. Almost looks like the account showing under XXXX XXXX XXXX is either NOT verified or the company is providing updates that are NOT related to an account that they claim is mine. I hope they are not reporting the same car on MY account but are actually providing the information for another car owner. That is a definite violation of my rights for fair credit reporting. 
I would also love to see proof of the balance which shows as {$13000.00}. If that amount is inaccurate as well as the payment history I request to Equifax that this account be deleted from my credit report because of these violations to my fair credit reporting rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion, XXXX, and XXXX have been reporting as follows : XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE. XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$960.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION. 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 an 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 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 2023-07-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, 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:
I tried to purchase a cell phone and was unable because of lack of history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed these debts with XXXX, XXXX and XXXX 2 times without success in XXXXXXXX  & XXXX The following collection : Amsher Collection Serv {$150.00} They never answer my dispute do not agree with the answer since they are not my collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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: Personal information incorrect

Complaint:
I sent a letter on XX/XX/2023 to update my personal information and delete old addresses and phone numbers.

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 2023-07-05
Company: Experian Information Solutions Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
I requested for all closed accounts, and any accounts that violate 15-USC-1681b to be 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 explanation
Consumer complaint received 2022-05-17
Company: United Collection Bureau, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company purports to be United Collection XXXX , Inc. They said that they were holding {$3500.00} of medical debt from a hospital stay in XX/XX/XXXX. When I spoke to someone on the phone today to attempt to resolve this debt, it was clear that they were at a call center in XXXX. He then told me that I have additional debt in the amounts of {$40.00}, {$230.00}, {$100.00}, {$40.00}, {$80.00}, and {$40.00} in addition to the {$3500.00}. I informed him that I would like to start making payments beginning today, XX/XX/XXXX, in the amount of {$1500.00}. He said that if I paid by a card then the fee would be in excess of {$50.00}, but using my bank routing and account number would be free. I told him that I was uncomfortable with that so he gave me a website to visit in order to make the payments instead. The website is ucbinc.com. They ask for your social security number and birthdate to sign in. I signed in, updated my current address and attempted to pay my first installment of {$1500.00} by using the pay by check option ( where you of course have to enter your bank routing number and account number ). A few hours later I checked my bank account and the transaction was never processed. I went back to the website and my payment isn't showing up at all. They just wanted my information? How are we supposed to protect ourselves when no one else does???? This is a sophisticated scam operation if I have ever seen one! I am terrified. They have all of my information and they aren't even in this country. What can I even do to protect myself at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
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: Their investigation did not fix an error on your report

Complaint:
I had fraud in my credit, someone opened 2 credit cards under my name and now it is in my credit report. I disputed this to my credit agency but the credit agency did not help me. They said they have done an investigation in the past and they are not doing another one. These account were opened in XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  original Transunion is not helping me deleting this fraudulent credit card of my report. They have refused to do an investigation in XX/XX/XXXX about this case in order to delete them. they refused to do an investigation again after they said it was verified on XX/XX/XXXX. And the companies verified. Transunion responded to the CFPB ON XX/XX/XXXX Complaint # XXXX stating that " We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. '' when I call they said they never closed this case because they never received it from the CFPB. TRANSUNION has did nothing to help and and has violated my rights into an investigation.

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 2021-10-14
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021 at XXXX XXXX, an email was sent to my husbands EX wife about my account. Below is a copy and paste of the email that went out. It is already hard enough dealing with my husbands ex, but to also give her information that I have an unpaid bill and steps to access the account is so wrong. 

I have contacted the company and they state they were given his ex 's email. I know for a fact we did not give that information. I have also called the original creditor to find out what email they have, and the only one they have is my email. The one they are supposed to have.

This collection company stated they have only had this for two days. Well, 1 day ago is when it went to my husbands ex. 

Please advise on what steps I need to take next. 

Email from the collection agency is copied and pasted below. 

Thank you, XXXX XXXX. 
XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Wed, XX/XX/2021 at XXXX PM Subject : XXXX, here 's what you need to know. 
To : XXXX Unsubscribe if you don't want to receive emails from us. 
This important message is for XXXX XXXX. If you are not this person please delete this email. 

Here 's what you need to know to take the next step XXXX. 
Your account ending in XXXX was sold by XXXX XXXX XXXX on XX/XX/2021 due to unpaid status. The new account owner is LVNV Funding LLC. LVNV Funding LLC outsources the management of its portfolio of accounts to our company, XXXX XXXX XXXX. 
So, what is the next step? 

Let 's get you started on an affordable payment plan! XXXX offers customers the option to view account details like your original creditor and current account owner and make payment arrangements online at portal.resurgent.com. 

Prefer to discuss in person? Our knowledgeable Customer Care Team is available to answer any questions. Use the buttons below to take the next step.

I want to handle this online I want to talk to a person Have questions or need assistance with your account? Hit reply to this email or visit the Contact page of our website here to connect with our friendly and knowledgeable Customer Care Team.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I received a notification fromXX/XX/XXXXand XX/XX/XXXX that SYNCB/PayPal pulled my credit report. I have a PayPal account that I rarely use and I have never applied for credit with them. I logged into PayPal to see why this may have been done. They do not have my SSN so I am concerned as to how they were able to do this. I want to note that I am opted out of prescreened credit offers as well. I called PayPal and spent one hour trying to resolve the matter. I was bounced around many times until finally someone stated they do not know why this was done. They do not have any credit applications for me. They suggested I submit a complaint via PayPal 's website under " Resolution Center ''. I tried to do that. When I tried to " report a problem '' it gives me a list of transactions I've conducted. I'm not trying to dispute a transaction! I'm trying to find out why they ran an inquiry on my credit without my permission and without my SSN. I've tried finding an email address through their website but have been unable to. The experience with trying to get this resolved through PayPal was absolutely horrible and the entire situation is unacceptable. I am in the process of disputing it through the credit bureaus.

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: MS
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2017-06-30
Company: EQUIFAX, INC.
State: MO
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:
My ex-husband and I purchased a home in 2001. Shortly after, we divorced. In the divorce, he was granted the home, and assumed all debt related to said property. I have submitted court documentation to the mortgage company multiple times, yet they continue to report this debt as mine. I am now in the process of trying to purchase a home for myself, and am practically unable to do so because this account is being reported on my credit report as a delinquent debt, and as a large debt that is artificially inflating my debt/income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 of 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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

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