BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-11-21
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
They keep calling even after payment arrangements have been made and they demand more money than what has been agreed. The excessive calls and harrasment gets on my nerves because Im working and they keep calling day and night

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 received an alert today from Transunion that XXXX XXXX XXXX XXXX reported that I was 30 days late on a car payment back in XXXX of 2022 and this is a blatant lie. Our car was stolen in XXXX, Police Report Filed and the car was recovered but deemed a total loss. Even when I did not have the car I still made my payments and have proof through my bank that we did. Our insurance company settled the account as a total loss and paid XXXX XXXX in full and they even reported that as being paid closed and then they report us as late which is not true. This impacted my credit score for something that never happened. I called and got in touch with the Executive Offices at XXXX XXXX and recorded my call and the guy I spoke with on the recorded line even verified that we were never late on our car payment. XXXX XXXX is notorious for doing cheap, crooked stuff like this. They feel that they can just do what they want to do even if it hurts others which is why I will never do business with them again. They need to be investigated and fined for doing this illegal stuff. WE WERE NEVER LATE on our car payment.

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 2021-07-02
Company: Medical Data Systems, Inc.
State: GA
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:
I sent a letter regarding inaccurate and unknown things on my credit report. I still have yet to hear any result and it has been over 60 days. I feel as though it is truly unfair and I am being taken advantage of and being ignored of my concerns and disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days, gives a reason to immediately remove these items from my credit report. Since it has been well over allotted time, they should be deleted promptly. I demand these accounts be deleted or I will file for litigation die to the stress you have caused me. My information was impacted by the XXXX data breach and may have got into hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Transunion, XXXX, 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 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 2023-09-02
Company: Experian Information Solutions Inc.
State: FL
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:
This company XXXX XXXX XXXX has continuously ignored my multiple attempts of having them provide me with proof that this debt belongs to me. Right now they are obstructing my home loan from being approved and they failed to respond to my request in the time they were supposed to respond. I sent them a debt validation and heard nothing then I sent a failure to respond notice as well and they do not care. Please help me in getting this removed from my report as it must be fraud or something I never have done business with this company nor the company they represent thanks!

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 2022-04-10
Company: Stellantis Financial Services US Corp.
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:
Literally Done Called And Sent Letters They Just Continue To Update When I Authorize Nobody To Run My Credit Or Look At It.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have been disputing accounts on my credit report since 2019 the credit agency are all reporting incorrect personal and fraud accounts on my report i have numerous letters and police reports and the companies are not respond to my request or send me letters stating i am not the one filing the dispute

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 2022-02-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2019-03-25
Company: SELECT PORTFOLIO SERVICING, 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:
On XX/XX/18 SPS Servicing assumed our loan from XXXX XXXX XXXX. with the original loan terms still in place : Conventional 5/1 ARM, no escrow account and tied to the LIBOR. Our loan was transferred in good standing and was a simple transfer. 

Our loan has never been late and since transfer to XXXX XXXX, and due to their poor reputation as a debt collector, I have paid my mortgage early every month and in excess of the balance due. 

SPS has reported false and damaging loan terms which I was unable to fix through normal CRA disputes. In violation of the FCRA, SPS has reported our loan to all 3 Credit Bureaus with false remarks : LOAN MODIFIED NonGovt, Loan Modified and including purchase money first. When I disputed this false reporting, it was verified by SPS as accurate. 

My mortgage was sold by XXXX XXXX XXXX. and this loan was not a requested transfer. Furthermore, I contend that because we have nearly perfect credit scores of 820+ FICO 9, SPS Servicing reported false terms to lower our credit and attempt to retain us as a long term client by lowering our score. 

The reporting of Loan Modified on a credit obligation is considered a derogatory indicator by FICO Score 9 ( and within the auto and bankcard versions of FICO Score 9 ) and would trigger the negative score factor You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. to surface. This particular narrative ( Loan Modified ) first became available in the XXXX data when FICO Score 9 was developed.

Due to this false comment, SPS has negatively impacted our XXXX FICO Score 9 causing a drop of 100 points for XXXX XXXX and 69 points for XXXX XXXX. Our previous FICO 9 scores were XXXX and XXXX on XX/XX/18. Now they are XXXX and XXXX respectively. 

SPS FAQ specifically states : Will the terms and conditions of my mortgage change because of the transfer? This transfer does not affect any terms or conditions of your loan documents other than terms directly relating to the servicing of your loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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 2020-03-16
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had Fraud ~ Identity Theft, happen to me XXXX 3 times ~ in the past 3 years. It has as you can imagine, caused great pain and anguish to have to deal with very bad people who do this to Honest people who " play '' by all the Rules in life. I was in the very beginning, left with the thought ~ that what happened to me would be " logged '' into my credit files, so that when the Real and " Good '' people who must access my credit report ( it being confidential ) that they would see something that indeed reflected ~ just what had happened to me. IT DOES NOT! Why? The 1st time, I filed something, with the FTC and was distinctly left, with the thought that the Government would be doing exactly ~ that. Some bloody thing that the Authorized people who enter my Credit Reports for Authorized reasons ~ would see that I was " Violated ''! ( and that is how I truly felt ) So. Why did that not happen? I did everything I was told to do, and Absolutely Nothing ~ was entered ~ Re : That my Identity Was stolen and that it actually happened. NO NOTHING STATING IT ACTUALLY HAPPENED! WHY? Please be kind enough, as to Advise me, why. Please. Thank You, And for Heavens sakes, get back to me. I'm tired of getting " kicked '' ~ in my heart, it is so painful. Hope it never happens to another person, And why not do your bloody best ~ to catch these terrible ~ " people ''. And throw them in prison when you catch them, AND MAKE THE WORLD AWARE OF IT ~ PERHAPS IT COULD DETER THE OTHER BAD GUYS ~ FROM DOING IT TO ANYONE IN THE FUTURE. Thank You, XXXX XXXX XXXX. And please Stay Healthy!

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-25
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My previous landlord wrongly claimed I didn't give them advance notice for moving out and therefore they renewed my lease. This is not the case and I did give them notice for my intention to leave at the end of the lease but they failed to process it, and report a termination fee to a debt collector. 
Hunter Warfield didn't resolve my dispute even though I sent them documents showing my notice to not renew the lease to the XXXX XXXX. 
In summary, the debt collector chose to report that claim and influence my credit report even though they knew it was wrong. 
Please see the attached documents on my communication and proof of me giving them enough notice. 
Notice that in attachment 1, I notified XXXX XXXX on XX/XX/XXXX about not renewing my lease which ended on XX/XX/XXXX ; more than 4 months in advance and the lease only required XXXX notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
LEXIS NEXIS A 3RD PARTY COMPANY IS REPORTING INFORMATION OF A BANKRUPTCY XXXX XXXX TO ALL 3 CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. LEXISNEXIS REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX XXXX  BANKRUPTCY REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO LEXISNEXIS UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXX XXXX XXXX / DATE OF BIRTH : XXXX SS # XXXX / TEXAS XXXX XXXX DATE OF DISCHARGE WAS XX/XX/2012 / BANKRUPTCY FILE # XXXX LEXISNEXIS HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON XXXX XXXX XXXX. 

THE TEXAS XXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS XXXX XXXX XXXX AND THAT I WOULD NEED TO TAKE THIS MATTER UP WITH LEXISNEXIS. 

LEXISNEXIS REPORTED THIS ERONEUS INFORMATION TO THE 3 MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE TEXAS XXXX XXXX OF XXXX XXXX THE XXXX XXXX TRUSTEE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-05
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-03-11
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lexis Nexis is reporting false information to my credit file at XXXX, XXXX and XXXX credit agencies. Lexis Nexis Is not a credit reporting agency they are a are a division of XXXX, along with XXXX LexisNexis Risk Solutions, and XXXX XXXX. XXXX is a global provider of information-based analytics and decision tools for professional and business customers, enabling them to make better decisions, get better results and be more productive. Im not sure why XXXX would utilize this company to grade my credit worthiness, my payment history, the number of account I have in good standing and how long my open credit account have been open but either way Lexis Nexis is reporting false information to my credit file by way of the products that they are selling to XXXX, XXXX and XXXX credit agencies. This action is a violation of the fcra and XXXX The information that Lexis Nexis is selling to XXXX, XXXX and XXXX credit agencies has not been verified, a collection agency must verify the amount and validity of a debt before they can rely upon the information under the federal Fair Debt Collection Practices Act ( FDCPA ).

Lexis Nexis False Court cases and other criminal history information tto my credit file falsely and to creditors I seek to do business with.

All of my good credit efforts and work that I have put into my credit file is being over shadow by the action of Lexis Nexis providing fraudulent information to all the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
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:
Remove the incorrect accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: MD
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 sent the letter off on XXXX XXXX. Here is my tracking # 's ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX ). To remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act ( 15 USC 1681 ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also according to ( 15 USC 6802. ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with non-monetary relief