BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Three separate collections were reported to Experian in XX/XX/. These are all related to one medical account, that is now over 15 years old. I disputed the charges with the original creditor at the time, and with a subsequent collection agency 10-plus years ago. This appears to be an attempt to re-age disputed debt by a new collection agency, with a spurious date of delinquency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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:
APPLIED FOR XXXX CARD, BUT WAS DENIED. THAT IS CLEARLY UNDERSTOOD. BUT WHY WOULD CREDITOR PUT ON MY CREDIT REPORT " HARD INQUIRY '' WITHOUT MY PERMISSION?

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items that resulted due to Identity Theft. Please find the required documents to assist in the removing of the erroneous items which are being posted to my report. Here are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-23
Company: NCB Management Services Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is an account reporting on my credit file that has been re-aged by the debt collector and is inaccurately reporting on my credit report. 

The account in question : NCB MANAGEMENT SERVICE # XXXX This account is tied to XXXX XXXXXXXX # XXXX. 

The date of first delinquency was XX/XX/XXXX and it is being reported by NCB MANAGEMENT SERVICE that the date of first delinquency was XX/XX/XXXX. I asked that the account be verified and it came back verified, however this is not possible since this account was NOT opened in XXXX and has clearly been re-aged. Re-aging a debt is highly illegal and I demand this account be removed immediately, as my consumer rights have been violated. 

According to FCRA Section 623 ( a ) ( 5 ) ( a ) : " In general, a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action ''. 

My rights were violated as this account has shown up as a duplicate on my credit file and is littered with incorrect information and re-aged dates. This must be removed from my file ASAP. I have attached photos of the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to bring to your attention an issue regarding certain accounts on my credit report. 

-- -- -TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2022 I sent a letter to the courthouse asking do they report bankruptcies to any credit bureaus and I got a letter from XXXX XXXX job title clerk XXXX Bankruptcy XXXX XXXX of New Jersey, city of XXXX NJ. Stating " the courts do not report any bankruptcies to any reporting agencies. If this is the case. How did the credit bureaus verify my bankruptcy as XXXX  % accurate? They never did a fair investigation according to the 15 USC1681 15 USC1681 section 503 ( 3 ) ( E ) states ; The term '' investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681 According to:15 U.S.C. 1681 section 602 A. States, I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681-2 ( 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 2023-01-25
Company: EQUIFAX, INC.
State: NJ
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 below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. 
XXXX Account # XXXX XXXX XXXX Has violated my rights. 
Account # XXXX XXXX XXXX Has violated my rights. 
Account # XXXX XXXX XXXX Has violated my rights. 
Account # XXXX XXXX XXXX Has violated my rights. 
Account # XXXX XXXX  XXXX has violated my rights Account # XXXX XXXX XXXX has Violated my rights 15 U.S.C 1681 Section 602 A States I have a 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 items of information other then records of convictions of crimes which antedate the report by more the 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Shellpoint Partners, LLC
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I applied and was accepted to the loan program to skip up to 12 payments during the covid pandemic During that time, I was able to and did make one payment of {$2300.00} which is one month mortgage payment. At the end of my 12 months, I re-instated my mortgage using an FHA backed partial claim for the 11 missed payments. I was forced by my mortgage company to make three payments in one month in order to 'book ' the partial claim by XX/XX/XXXX. I then resumed payment of my normal monthly payment, which is {$2300.00} During this process, I asked for modification, reduction of payment, and about the federal Covid 19 Advance Loan Modification, which they should have offered to me without me asking. I was told there were NO other options for me except to resume my regular payments. I explained that my new job was making over $ XXXX less than my last. I was told to get them the money by XX/XX/XXXX was my only option. I borrowed money from my sister and paid them a total of {$10000.00} in order to 'book ' the additional {$23000.00} partial claim. I then resumed by normal monthly payment of {$2300.00} beginning XX/XX/2021. I noticed my loan was not updated online and kept calling and emailing asking why It was still showing as over {$25000.00} past due I was continuously told that they were 'so far behind " in applying the partial claims that I would need to call and make payments until they 'had the time ' to update my loan status Then, over TWO months later, my loan specialist left me a message that I would need to send yet another {$4600.00} before XX/XX/XXXX in order to 'book my loan claim ' by XX/XX/XXXX I am beyond angry I called and he hung up on me. I can not get anyone of authority on the phone They have also assessed late fees and I feel this is also fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Data and Contact Management Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I received a phone call from DCM debt collection services on behalf of XXXX concerning my brother who passed away last month. 
Allegedly, my brother opened up a XXXX XXXX XXXX XXXX over four years ago. There is an outstanding balance of nearly {$2000.00}. They even provided the last four of a XXXX credit card account number. 
I asked that official documentation be mailed to my home address. Which they will do. This is the agent I spoke to ( please publish ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I contacted XXXX who cant confirm if my XXXX  even opened up a credit card account. I didnt co-sign on his account nor is he associated with my own account in any way. I only have debit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: NJ
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 below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 
Account # XXXXXXXX XXXX XXXX  Has violated my rights. 
Account # XXXXXXXX XXXX XXXX  Has violated my rights. 
Account # XXXX XXXX XXXX Has violated my rights. 
Account # XXXXXXXX XXXX XXXXXXXX has violated my rights Account # XXXXXXXX XXXX XXXX has Violated my rights 15 U.S.C 1681 Section 602 A States I have a 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 items of information other then records of convictions of crimes which antedate the report by more the 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 2019-10-01
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2019 my account was transfered from XXXX to LoanCare for servicing. I paid my first payment in XXXX by my XXXX billpay in the amount of {$1700.00} which cleared my bank XX/XX/XXXX. 
LoanCare did not record this payment and said I missed a payment. I called and emailed eventually it was recorded. 
I made my next payment on XX/XX/XXXX in the amount of {$1600.00}. LoanCare did not record this one and said i was behind in payments. I called and emailed and it was recorded after about a month. It had cleared my bank on XX/XX/XXXX. 
My XXXX payment was attempted on their online site in the Amount of {$1700.00}. It was not recorded although it cleared my bank on XX/XX/XXXX. I called and emailed and it has still not been recorded. 
For my XXXX payment, I sent a manual check # XXXX in the Amount of {$1700.00}. It cleared my bank on XX/XX/XXXX. Again it has not been recorded and LoanCare says I am behind in payments. Again I have called and this is yet to be resolved. They say I owe a late fee ( all payments have been made in the alloted time ). They have also reported to the credit bureaus that I have missed payments. I have asked that these be corrected and they have not. 
LoanCare is not being responsible.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 2019-05-07
Company: Stone Creek Financial, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a letter from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I have a a unverified account from a XXXX XXXX XXXX XXXX, that came about from a Identity theft that I was unaware of from XX/XX/2004 from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX or STONE CREEK FINANCIAL INC, Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that STONE CREEK FINANCIAL INC, XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/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 2021-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed on with Transunion credit monitoring service months ago back in 2020. I signed up for a month-to-month subscription. After one month of using their service and paying the fee that they charge for this service, I have tried numerous times to end it. I have made phone calls, sent emails, and spoke via text chat with their support personnel. They billed me a few times because they would send the bill thru to my checking account over and over and over again until eventually, I had to disable my debit card, 2 times now, just to stop them from billing me. There is no way for me to end this subscription on their website even tho there is a law in place for California residents to be able to quickly end a subscription. Now when I log in, I am greeted with the same billing page asking me to enter a new credit card. If I click away from it to see my account profile, everything is blank. I can not file a dispute, I can not even see what is on my credit report. A few months back it was extremely important that I get a credit report. so I paid the fee for the credit monitoring service and like magic, I could access my credit profile on TransUnion. When I stopped paying the service initially, I was immediately hit with a 60+ reduction on my credit score. and still to this day they have reduced my credit score repeatedly for erroneous items such as - too many new credit accounts ( I have 3 ). Or when I pay off a loan I got just to build my credit, they reduced my credit score by 12points saying my available credit was reduced. They have also fraudulently reported increases in my student loans thereby reducing my XXXXredit score again. I have an open complaint with you folks on that already.

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 monetary relief