BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 590. 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2022-09-02
Company: Experian Information Solutions Inc.
State: NV
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:
This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/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 2023-11-30
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
In XX/XX/XXXX I refinanced my home with FREEDOM MORTGAGE with the help of INLINE LENDING who handled all the paperwork. Because of XXXX they sent a XXXX to the house to have all the paperwork signed. We signed all the necessary paperwork, or so we thought, and the loan was processed. In XX/XX/XXXX I received an email from XXXX XXXX XXXX saying that they needed my signature that was missed and that they wanted me to have that document signed, to which I said OK. I then received a voicemail from a XXXX addressing me as XXXX saying that they would meet at a given location ( XXXX is my wife ). XXXX immediately checked with her attorney who advised her not to sign ANYTHING since I was going through a bankruptcy. Mind you I was the ONLY one on the loan and I was the ONLY ONE declaring bankruptcy. 

Since then we have received threats of the loan being called and foreclosure on the property. They also sent me a copy of a document that I signed saying that I would fix any errors that were made, however that document was only good for 365 days after the loan closed. They have also said that we intended to defraud Freedom Mortgage so that we could benefit from the missed signature in some way and that is not true... we did not even know that we missed a signature. 

The fact is that they neglected to do their due diligence and check all the documents prior to processing the loan. According to HUD rules when they accepted our payment of the closing costs they accepted the responsibility of ensuring that ALL THE PAPERWORK was in good order... .IN SHORT THEY PUSHED THROUGH A FRAUDULENT LOAN, BUT THEY ARE TRYING TO BLAME US FOR THE MISTAKE. 

On a separate note they also list my Ethnicity as XXXX on the loan which is far from the truth. 

I am attaching a copy of an email I received from an attorney saying that I need to comply with their requests of face eventual foreclosure of my home for a mistake that THEY made. They have intimidated, threatened and harassed me and my wife for the past few months and they continue to indulge in unethical business practices. Please address this problem... ..Thank you ... 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 2023-07-10
Company: DISCOVER BANK
State: VA
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:
Recently, I began taking my credit more seriously and noticed a few items on my credit report that were reporting inaccurately. I have tried to resolve those issue but no luck. I was faced financial hardship losing my job due to the pandemic layoff. The CARES Act, passed in XXXX XXXX gave legal protection to consumers by providing loan forbearance. Under the act, consumers were given the option of not making payments on their loans without suffering any credit-related consequences, like late payments and delinquencies. Also, creditors must make accommodations for people having trouble making payments. But I was never contacted. Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report that I want to be removed because I am a victim of Covid 19 and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX 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 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XXXX I, XXXX XXXX sent a FTC report letter regarding inaccurate and unknown things on my credit report. 

I AM A VICTIM OF IDENTITY THIEFT. POLICE REPORT and COURT CASE ATTACHED I feel I am being taken advantage of and being ignored. Section 605 ( B ), it is plainly stated that 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 by such agency. It has been well over 4 days, so they should be block and deleted promptly. I demand these accounts be blocked and deleted immediately or I will file for ligation due to the stress you caused me. My information is also impacted by the XXXX  data breach and my have gotten into the hands of the wrong person. 

I, XXXX XXXX give you FULL PERMISSION to move forward with this investigation. I have attached my driver license and social security number to let you know this is in fact XXXX XXXX giving you 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 explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My student loans have been consolidated but are now showing up as multiple accounts on my credit report. I have a letter stating that I do not owe anything to my previous student loan provider so these multiple instances need to removed since it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: ARS National Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Police report number XXXX AFFIDAVIT OF TRUTH Consumer Enforcement as Administrative Counter-Claim by XXXX XXXX XXXX XXXX Notice to all, I am that I am, the consumer in fact, natural person, original creditor, XXXX, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, Consumer, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Fact, XXXX is aware and has proof in attachment labeled as exhibit A that ARS National Services IncXXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. Fact, XXXX is aware and has proof in attachment labeled as exhibit A that ARS National Services Inc. is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Fact, XXXX is aware and has proof in attachment labeled as exhibit A that ARS National Services Inc. is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Fact, XXXX is aware and has proof in attachment labeled as exhibit A that ARS National Services Inc. is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 15 U.S.C. 1692 ( G ) On the date of XXXX XXXX XXXX XXXX XXXX XXXX before me today present as a flesh and blood living being ( Non entity/non debtor ) under oath to the most high of creation only and provided the facts listed hereir XXXX XXXX XXXX XXXX Sworn to or Affirmed by and subscribed before me on the. XXXX XXXX : XXXX XXXX Notary Signature : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Affirm Holdings, Inc
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX, a federally protected consumer, and I am making this complaint against Affirm, for committing identity theft. I have never given Affirm, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Let alone put it on my credit report 4 times. This is fraud. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ) .I have not validated any alleged debt with Affirm and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Affirm any right to collect on this alleged debt.I have never received any documentation requesting validation from Affirm, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. XXXX also is in violation due to the fact that my credit reports should be accurate across the board. If Affirm, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Affirm, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Affirm, continues its collection efforts, I will file for litigation for actual damages caused and Affirm, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Affirm has reported this 4 times on my credit report and it is a direct violation of my rights according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXXXXXX XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: FL
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:
Accordance with the Fair Credit Reporting ACT XXXX  Account XXXX XXXX XXXX XXXX and account XXXX XXXX XXXX XXXX has ben 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 WRIITEN INSTRUCTIONS.

15 U.S.C 1681 SECTION A ( 4 ) 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.

15 U.S.C 1681 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: WI
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:
It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the XXXX bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it's actually you who are the actual furnisher and this account is reporting inaccurately. Therefore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should be removed from my credit report entirely for false reporting!!

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 was advised by student aid that my identity was compromise, and use to access my account. As a result, they did suspend my account and currently I do not own a student aid account. I have disputed this information multiple times, and attached the verifying email that was sent to me. 

XXXXXXXX XXXX has not remove these accounts, which came from no transactions, made by me with my Social Security number I have been a victim of identity fraud multiple times.

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 2021-05-27
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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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