BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Transunion, XXXX and XXXX keep disregarding the law. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Over the past year, I've sent letters to Transunion, XXXX and XXXX repeatedly and they show complete disregard for the law. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 



The credit bureaus show no respect for the laws. 

They need to be held accountable. 

Additionally, according to 15 USC 6802c, I was never given clear explanation of how I can exercise nondisclosure option. I told told the bureaus this and they have not removed ALL of the accounts requested.

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 2022-05-23
Company: EQUIFAX, INC.
State: MI
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 Act Reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX 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 states a consumer reporting agency can not furnish an 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 response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On Wednesday, XXXX XXXX, XXXX I received a letter informing me that I had canceled my insurance and that my mortgage company, Freedom Mortgage, would be providing me with hazard insurance at a high rate. I had know idea that my insurance had been canceled. I was n't overly concerned because I had received one of these letters about two years ago.
When I called Freedom Mortgage they informed me that they had sent my insurance payment, but it had been returned. They told me that they sent my payment to the wrong address. And that XXXX XXXX had canceled our policy 6 weeks ago. I told them that I was unaware of any problem. They said two letters were sent from XXXX. They asked if I would hold while they contacted XXXX XXXX. After 5 minutes they came back on the line and said they were talking to XXXX, The mortgage representative said she hoped they would take an overnight payment. She came back on the phone and informed me that XXXX refused. I needed to call my agent and rewrite the policy. I was extreme frustrated and overwhelmed. The next day I was having roofers show up and I had no liability insurance. The response from Freedom was that is an inconvenience. There was no admission of guilt or apology. I asked for a supervisor and was told it was a one to two day call back time. She connected me to a higher level. At one point in my anger I asked if I needed to contact the tax collector to see if they had paid my property taxes, and I was told not to be ridiculous. I could n't believe how flip they were. 

I called my agent, but he was very confused and said he had to check somethings. I then decide to call XXXX myself. I connected with a very helpful agent. There records did n't show any calls from Freedom Mortgage that day. He offered to call them and see if they would send a payment immediately. He also informed me that no letters had been sent to me, but three bills had been sent to Freedom. He put me on hold, and called them. Freedom was willing to send a payment right away, and some how found the correct address.
It is amazing to me that Freedom Mortgage lied to me about everything. They risked my home and my financial safety. I have never missed a payment or been late. This is the second time they have put my security at risk..

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 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX, XXXX and TransUnion are all reporting lates on my Federal Loan accounts that should not be reporting. My accounts were in deferment at this time and there should not be any lates reported. I have proof attached that the accounts were in deferment and the bureaus are reporting inaccurately on these 2019 lates. I would like all these lates removed from my 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 2019-06-01
Company: I.Q. DATA INTERNATIONAL, 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: Their investigation did not fix an error on your report

Complaint:
I started disputing the collection account with IQ Data on  XX/XX/2019 with each credit bureau. I asked them to make sure that everything was reporting correctly for this account or to delete it if they couldn't validate this account. Each credit bureau responded saying that everything was reporting correctly. I then sent a letter out to each credit bureau on XX/XX/2019 advising them that they did not verify this account  thoroughly because the open date was reporting incorrectly on each bureau and that there was no way this same account was able to be opened on 3 different days, the account number was reporting differently on each bureau than what the collection agency had, the amount owed showed something different than what the original credit and the collection agency advised it was. I asked for this account to be deleted from my credit report because it was inaccurate and also because it violated my consumer rights under the FCRA, to this day this information is still inaccurate and the account is still on my credit report which again is a violation of my rights. FCRA states that any information on a consumer credit report must be accurate or it must be deleted from the credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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:
FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Collection account. {$3700.00} past due as of XX/XX/XXXX. 
U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Collection account. {$2400.00} past due as of XX/XX/XXXX. 
U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$6700.00} Status Collection account. {$6.00} FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX 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 2022-07-11
Company: DISCOVER BANK
State: NY
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 viewed my Discover credit report and found out that XXXX entered negative information about me that resulted in a XXXX point drop in my credit score. I called XXXX and informed them that their information was incorrect. I do not have an outstanding balance with XXXX and owe them nothing. They agreed and have stated that they will conduct an inquiry to try and get my credit score corrected. They said it will take two weeks. This is abslutely unacceppptable. I generally carry an XXXX plus credit score and XXXX careless mistake resulted in a dramatic drop in my good credit. Mistakes like this have real implicaations for consumers and it is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquiry : XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 an account without my written instrusctions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer repoting agency may make any consumer report containing any of the following items of informatoion or any other adverse item of information, other than records of convitions 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 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 explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX 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 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 2022-05-23
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX ran my credit several times, they were not authorized to do this, they have even admitted in the letter I have proof they were not allowed. XXXX XXXX has refused to take it off my credit report. This is absolutely ridiculous and against the consumer protection, I have wrote them with no other response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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 unauthorized accounts on my consumer report : XXXXXXXX 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 2022-05-23
Company: ALLY FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  ran my credit several times, they were not authorized to do this, they have even admitted in the letter I have proof they were not allowed. XXXX XXXX has refused to take it off my credit report. This is absolutely ridiculous and against the consumer protection, I have wrote them with no other response.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the 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 non-monetary relief
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion reports a date of last activity of XX/XX/XXXX while the other bureaus report different dates ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ), which is a clear indication that this account was illegally re-aged. 

TransUnion also lists this CLOSED account as OPEN and continued to report positive payments on a closed account.

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 2020-02-03
Company: Experian Information Solutions Inc.
State: AK
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:
This is a continued complaint with Experian. Experian has sent ANOTHER credit report to me with the SAME information about XXXX saying the have investigated a dispute and updated my report, ( which is EXACTLY the same ). XXXX was included in a Chapter XXXX bankruptcy in 2018. I AM NO LONGER responsible for ANYTHING to them, and XXXX  knows it. They no longer report to XXXX XXXX OR XXXX, but for whatever reason, EXPERIAN has CONTINUED to allow them to report that payments are late. Payments CAN NOT be late and HAVE NOT been late as it was DISCHARGED. I don't know HOW MANY TIMES I have to continue to DISPUTE THIS until EXPERIAN LISTENS. I am including the DISHARGE papers. XXXX  and EXPERIAN are breaking EVERY law about Fair Credit Reporting by continue to show late payments on something that a JUDGE says I am NO LONGER RESPONISBLE for and haven't been for 2 years!!!!! I don't know how much plainer it can be!!!!!!!!!!!!!!!!! PLEASE take this seriously and put and end to it once and for all!!!!!

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 2022-05-23
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX XXXX XXXX initiated a consumer credit transaction with this COMPANY. The COMPANY took a wet, blue ink signature on the agreement and sent the consumer a copy via email. When I reviewed the copy I noticed that the signature was completely and visibly altered. I signed the name in a very specific way, adding the words " w/out recourse. '' That signature acts as an acceptance on my part under certain conditions. The COMPANY accepted the agreement and then altered the agreement which is completely illegal. There is also no 2nd party signature anywhere on the document. Also, Please note also that I was never provided with any notices of my right to rescind per TILA regulations. On XXXX XXXX XXXX XXXX notified company that he wished to invoke his right to rescind his signature entirely on application number XXXX and the loan agreement and mailed in a Notice of rescission via certified mail number XXXX XXXX XXXX XXXX XXXX. No response was ever received by the COMPANY. I have since sent a Demand for Validation and Proof of Claim and asking for an explanation as to the alteration of my signature and also why my Notice of recession was dishonored and ignored. That letter was sent via certified mail number XXXX XXXX XXXX XXXX XXXX. Once again, no response. 
That Notice was sent a 2nd time today on XXXX via certified mail number XXXX XXXX XXXX XXXX XXXX XXXX and this time was sent to the Corporate office intended for the XXXX XXXX XXXX. The Notice Contains it's own Self Executing Contract should the COMPANY wish to continue to illegally report this information to the consumer reporting agencies. 
For the reasons stated above the account should 100 % be closed but if not I am also demanding validation of the debt pursuant to 15 U.S.C. 1692g. The law is clear and the company officials know what is meant by truly validating a debt and providing Proof of Claim. The docs were to large to attach to this file but I am happy to provide them to whoever requests a copy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief