BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
TRANSUNION XXXX. XXXX # XXXX XXXX, XXXX XXXX To Whom it may may Concern : Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account U.S BANKRUPTCY COURT XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account The following public record you are reporting is also against my rights as a consumer the original furnisher/ court has informed me they dont report data to credit reports therefore you are not following the laws that govern how to report data on consumer reports only the original creditor can report data with a written consent document. You have verified this public record without proof ( written consent ) going against 15 usc 1692 ( j ). This is an infringement upon my rights and you failing to comply with these laws have ruined my reputation as a consumer. XXXX has already complied with these laws in regards to these account proof is provided on the next page. They followed these laws, why haven't you? How are you verifying this information per law? 
I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX and the following inquiries are also unauthorized and fraudulent XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX 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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was informed by your company TransUnion on XX/XX/XXXX that account XXXX with name XXXXXXXX XXXX XXXX was deleted from my credit report, because it doesnt belong to me. 

I have now realized that this same item was REINSERTED onto my credit report! 

In Accordance with the Requirements of the FCRA section 611 ( 15 U.S.C 16811 ) ( 5 ) ( B ) ( # 1 ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( il ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consume Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized the consumer for that purpose, by any other means available to the agency I have received no such Notification ; this is a serious violation of the FCRA, and I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately DELETE this Account from my credit report in order to XXXXup'4 legal action, I will also fax this to the Consumer financial protection Bureau XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga 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 2023-04-13
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.

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 2021-07-27
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is my third complaint filed on PHH Mortgage regarding the same unresolved issue since XXXX XXXX XXXXThe amount of {$900.00} was to be released after mortgage payoff with PHH Mortgage XXXX XXXX. PHH mortgage claimed they mailed a check for this amount on XXXX XXXX XXXX I have not received that check. 

I have repeatedly contacted PHH Mortgages Customer Service and Research Department with no resolutions to this issue as detailed in my two previous complaints : # XXXX-XXXX  filed XXXX XXXX and # XXXX-XXXX filed XXXX XXXX. These complaints are attached. 

PHH Mortgage claims in their response to have sent three checks. I have received none of them.

I have attached PHH Mortgage last response dated XXXX XXXX. PHH MORTGAGE claims to have overnighted a check via XXXX tracking number is XXXX. ( The XXXX number should start with a 1 not an I ). PHH MORTGAGE did not state what address it was sent to. I have attached a screenshot of the XXXX tracking number. It also does not show an address of where it was sent/delivered. 

I have provided my current address to PHH Mortgage numerous times. My current address is listed on my complaint. You can see on the attached response from PHH Mortgage it has my current address. 

To be clear, I have attached a document providing my current address. Again, I have attached a document stating my current address My escrow overage check needs to be mailed to my current address.

This is NOT the exceptional customer service PHH MORTGAGE claims they strive for. I have been beyond patient in trying to resolve this issue for two years! 

I have attached all supporting documents for this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: Information belongs to someone else

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
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:
in accordance with the Fair Credit Reporting act XXXX Account # 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

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 2021-06-20
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Contacted mortgage lender and HUD RESPA Division XX/XX/XXXX with no assistance to correct document errors. CFPB beginning XXXX XX/XX/XXXX HUD- Director advised the Consumers to NOT CONTACT the Federal Regulator for assistance for enforcement of Violation EVIDENCE by the mortgage lender of TILA and RESPA LAWS AND REGULATIONS. 

Copies of CORRECT LOAN DOCUMENTS are requested for further actions by the Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX 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 2021-03-20
Company: General Motors Financial Company, 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:
Unfair practice by GM Finanical. Please help! 
I had a lease with them on a XXXX XXXX  that was turned in on around XX/XX/XXXX. I also bought a new XXXX truck from the XXXX dealership. I was alerted by my mortgage company ( that I am trying to get a mortgage through ) that my credit score just dropped over 100 points due to GM Financial. I called GM Financial today XX/XX/XXXX and spent over 90 minutes getting transferred 4 times to different areas and sitting on hold over 15-20 minutes on each transfer. Only for them to tell me that they sent one ( only one letter ) letter about the additonal charges ( mileage overages, extra wear and tear ). Which I never received. How could you ruin my credit without alerting/billing me of the problem? They then said they called me numerous times on this debt. I then asked what phone # they called and they told me my old office number from my old home. Obviously, I never received a call. They proceeded to tell me it was my fault because I never updated my phone number. 
First, I turned in my lease and bought a new XXXX from the dealership and gave them all my new information. Why would it ever even cross my mind to update the information ... when I turned in the leased truck in and gave them all my new information on the new truck? 
I have no problem paying my bill, but need them to be fair and remove this from credit report. My mortgage agent said GM Financial has done this to many customers! This is not fair that they do this to good customers ... I have tried to resolve fairly! Need help with GM Financial, as this is not right that they can ruin my credit, without alerting me! 
I can pay the bill ... Any help you can give is appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a credit card account with XXXX  showing on my credit report that doesnt belongs to me. Im sure this account was fraudulently opened and I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.

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 2023-01-02
Company: EQUIFAX, INC.
State: NY
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:
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 XXXX bank XXXX XXXX. 
XXXX XXXX bank XXXX XXXX XXXX XXXX 
XXXX card XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In also XXXX XXXX XXXX and XXXX XXXX XXXX do not have a legal business license to collect anything from new york state

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The collections accounts listed below are from medical bills and most are too old to still be on my credit report. The accounts continue to be sold to new collection agencies and I have never been contacted in writing or by phone about the accounts and some were paid off through XXXX last year after I contacted the original creditors and updated my insurance information. I'm being charged interest fees that's negatively impacting my credit score. Progressive Management is the most egregious and they are demanding money from hospital services I received in XXXX. All of these creditors refuse to work with me unless I provide my social security to their representatives over the phone even though the amounts have been paid by insurance or are from services too old to still be on my credit reports. I was laughed at and told to contact an attorney when I explained the service dates. I'm sure they're doing the same thing to other consumers and they shouldn't be allowed to run an unethical and dishonest company, nor can they be trusted with anyone 's personal information. Please help me get these negative reports off my credit and let me know if I need to contact an attorney. 


PROGRESSIVE MGMT SYSTE  Original creditor : XXXX XXXX XXXX XXXX  {$340.00} Balance updated XX/XX/XXXX PROGRESSIVE MGMT SYSTE Original creditor : XXXX XXXX XXXX XXXX {$740.00} Balance updated XX/XX/XXXX PROGRESSIVE MGMT SYSTE  Original creditor : XXXX XXXX XXXX XXXX {$370.00} Balance updated XX/XX/XXXX PROGRESSIVE MGMT SYSTE Original creditor : XXXX XXXX XXXX XXXX  {$370.00} Balance updated XX/XX/XXXX PROGRESSIVE MGMT SYSTE Original creditor : XXXX XXXX XXXX XXXX {$370.00} Balance updated XX/XX/XXXX PROGRESSIVE MGMT SYSTE Original creditor : XXXX XXXX XXXX XXXX {$400.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$550.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$130.00} Balance updated XX/XX/XXXX XXXX XXXX  XXXX Original creditor : XXXX XXXX {$370.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX {$830.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$260.00} Balance updated XX/XX/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 2023-04-22
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Wednesday, XX/XX/2022, I received a text message from phone number XXXX that said the following : " Free Msg : Wells Fargo Bank Fraud Dept : XXXX Did You Make A Scheduled XXXX Transfer for {$2000.00} : Reply Yes Or No. CA XXXX OPt Out Reply Stop '', to which I replied, " No ''. Another text came reading the following : " Wells Fargo Bank Fraud Dept : Thank You No Further Action Is Needed A Customer Service Representative Will Be Contacting You Shortly @ XXXX ''. Shortly following this message, the call came in, I answered and a man who said he is a WF representative explained that there had been unauthorized transfers from my checking account using XXXX to a XXXX XXXX XXXX account. He then told me to sign on to my online banking account, register my and phone number to be a recipient in XXXX, and then send the money back to myself to reverse the unauthorized transfers. I did so, first, in the amount of {$1500.00} and again in the amount of {$1000.00}. After doing this, I went back to my checking account and noticed that the amount was gone and asked the rep what happened to my money and that I didn't understand what was going on. The rep then got his " manager '' who told me I needed to make another transfer because the other two may not have gone through. At this point, I realized I was being scammed, hung up and immediately called actual Wells Fargo to report the scam. They opened up a claim for each transaction amount and told me they would investigate and if the claims were substantiated, they would provide me with a credit for the amounts in 10 business days. I heard nothing after 10 business days, so I called this afternoon ( XX/XX/2022 ) ( business day 11 ), to check the status of my claims. That is when the WF fraud rep told me that the claims were investigated and that I authorized the transfers so they would not be giving me a credit despite being a victim of an apparent and well known scam. The rep then explained the only thing they could do was request Bank XXXX XXXX send back the money, and if XXXX agreed, WF would issue me the credit. I then asked to speak with someone in WF 's escalation division and was connected with another rep who explains the same info as did the previous rep. He eventually offered to file a customer complaint on my behalf with WF about the bank 's policy on erroneous XXXX transfers, and informed that letters were being sent to me regarding the outcome of WF 's investigations of my claims.

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