BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Dear TransUnion I have one question? Why does your company continue to disregard the law when all Im trying to do is get this inaccurate information off of my credit report? You sent me an updated credit report stating the account was verified, but you did not tell me how. I read somewhere on the internet that your company use a computerized system called E-Oscar to process disputes. Is that correct? You dont call the creditors to verify this information? I also read on the internet, that you dont really verify the items ; you just look in your computer and verify that way. That is not what your company is supposed to do. You are supposed to do a true investigation according to the laws put in place to protect me. The account below is damaging. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Investigate, delete or fix date of last payments. 

When I talked with the furnisher they could not provide me with an explanation on why this account is reporting inaccurate. That is strange because they are the ones who put it on my credit report. Dont worry ; I will hold them accountable for their actions. I dont want to seek legal advice to protect my rights, but I will if this inaccurate information is not deleted. 

Please delete the above account and send me a full updated credit report ASAP Waiting.

Company response to consumer: In progress
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A copy of my Identity Theft Report and proof of my identity .

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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:
I extend my appreciation for the time you have dedicated to addressing the removal of the previous fraudulent inquiry in my credit file, which was a result of an alleged identity theft. However, I find it necessary to bring to your attention that several inquiries still persist, necessitating immediate resolution. This marks my sixth correspondence to XXXX and an additional letter to Experian, reiterating my status as a victim of identity theft and disputing the inquiries in my file linked to this crime. Importantly, the inquiries under dispute have no correlation to any transactions for the acquisition of goods, services, or funds that I have personally authorized or engaged in. I kindly request the expeditious removal of the reporting of these inquiries from my credit file, attributed to the alleged identity theft. For your reference, I have outlined the pertinent details below : -- EXPERIAN -- XXXX XXXX XX/XX/XXXX -- XXXX -- XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: In progress
Consumer complaint received 2022-06-10
Company: ERC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Incorrect and unauthorized changes on XXXX account. Spoke to multiple different people on different occasions to follow up on status, theyd all say that the account was sent to escalation department to audit and investigate and someone will contact you to discuss. Never heard anything from anyone, this happened repeatedly. 
There was a lot of miscommunication due to language barriers and non-stop transferring of calls along with disconnects aka dropped calls. Account was closed to eliminate future discrepancies. I would greatly appreciate this account be investigated and audited as there is numerous inaccuracies and unexplainable charges, even XXXX management could not figure it out. I was continuously being told that the account was sent to escalations to investigate. I requested an itemized statement of account and explanation of charges. As of today I have not received any information provided by XXXX, no outstanding balanced provided, no itemized state or explanation received. XXXX needs to be investigated upon, there is way too much unexplained charges and discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: T.S. Holdings
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an invoice from XXXX at XXXX XXXX XX/XX/2021 regarding an apartment I rented at XXXX at XXXX XXXX from XXXX. In that invoice it stated, the apartment was not clean, repainted and carpet had to be cleaned. I submitted pictures to the apartment complex to support that the apartment was clean along with the carpet being clean. The office personnel reached out to the billing office and still started the apartment was not cleaned when I moved out. Several pictures were submitted to have the charges reversed. 

The account was turned over to IQ Data International, When I spoke to the representative at IQ Data International regarding submitting my pictures and to dispute the charges, I was informed I had to pay the amount due first and then the dispute progress would begin. I refused because I knew it was a waste of time and a tactic. I didn't believe in the system to follow through. Daily interest is added to the balance which increases the monthly balance. Current balance is {$520.00}. 

I want this rectify with the charges being dismissed and stop incurring daily/monthly interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Capital One before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Capital One to furnish any late payments to my consumer report. It is my belief that due to Capital One 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers like myself to pay extra fees for debts that they allegedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Westlake Services, LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Only XX/XX/XXXX. XXXX XXXX XXXX a Debt Collector, seized and Repossessed my Vehicle without consent or knowledge, my Original Leinholder is American Car Center, who went bankrupt, from XX/XX/XXXX to XX/XX/XXXX I paid all my payments on time, once these People look over my loan they tried forcing me, restart my loan with them, I tried setting up auto payment with them, which they set up @ {$250.00} ; yet, recieving my payments they never were crediting to my account, claim I was XXXX  days behind. I never signed anything with them, they repossessed my car and still were taking money out my account after they repossessed my car. I had to canceled all my cards and now bout to get evicted from my house as a result, documents provided

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have repeated ask Synchrony Bank ( Care Credit ) to mail me a refund check on a balance and its been months ( XX/XX/2023 to XX/XX/2023 ) and i have not received my refund account check of over {$400.00} dollars.

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 2021-09-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been denied time and time again for retentions options by Select Portfolio Servicing. A repayment plan increasing my mmonthly payment by $ XXXX {$900.00} in my opinion is not real help. I'm sure all of the SPS employees would agree that if someone were to increase their rent/mortgage by that much, they too would see that is truly is no help during a pandemic to even offer such an outragous option and label it as " assistance '' On XX/XX/21 SPS stated that again for the 5th time, I was denied for rentention options. 

I then received a phone call from SPS at the end of XXXX to tell me that a new program had passed that I may qualify for. 

I received a letter dated XX/XX/21 from SPS stating they needed more paperwork from me. Documents were sent on XX/XX/21 with my bank statements being sent later, on XX/XX/21 per the SPS request for assistance review. I called SPS on XX/XX/21 to make sure they received the documents from XX/XX/21 and was told that I was denied for retention options. 

If they hadn't even received all of the document they requested via written letter dated XX/XX/21, how could I already be denied?! 

They put my literal life at risk by doing these things. I was already told I was denied and to liquidate so why did SPS call me, to give me false hope, have me go out in public places to get and fax documents, only to deny me before said documents are returned? We are very much still in the middle of a global pandemic with variants that are still killing people. I don't understand why I was denied, then contacted by SPS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
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: Personal information incorrect

Complaint:
In the past year, I have written multiple letters to XXXX XXXX XXXX XXXX and Transunion Credit Bureaus explaining to them that my name, address and employment is incorrect. I have sent XXXX and Transunion my Driver 's license to validate my ID, Utility Bill to validate my address, FTC Report to show that I've been a victim of Identity theft and a dispute letter to explain and show the accounts that are fraudulent. In accordance with the XXXX XXXX XXXX Acts, XXXX have not been in compliance with the FCRA laws. The equal credit opportunity act prevents creditors from discriminating against individuals. I strongly believe that XXXX and Transunion have discriminated against me. My name, address and employment has been reporting incorrectly in their system and they have yet to correct it. As a victim of Identity theft, I shall not be penalized for actions that I have not caused. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. XXXX and Transunion should be penalized for not following FCRA laws. Also, including that my personal information was impacted by XXXX XXXX XXXX back in XXXX. XXXX and Transunion have failed me as a consumer.

Company response to consumer: In progress
Consumer complaint received 2017-11-07
Company: EQUIFAX, INC.
State: OH
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:
My previous complaints were delayed, ignored and not addressed by XXXX XXXX. I received a call today and they wanted financial documents ( application and denial letter ) from another mortgage company. These documents are not needed. The criminal sales practices by XXXX XXXX Mortgage are the issues here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
15 U.S.C 1681i ( 5 ) In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: In progress
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681section602A.states i have the right to privac 15 U.S.C.1681 SECTION 604 A section 2 it also states a consumer reporting agency can not furnish a account without ant written instructions

Company response to consumer: Closed with explanation