BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Reached out to XXXX XXXX XXXX about amending the credit reporting to our Transunion accounts. They informed us to call Transunion. When we called we were told that the account was deleted, and only the mortgage company could reinstate the account. We have been corresponding with the mortgage company since XX/XX/2021, and now its XXXX. Nothing has been fixed we received several letters from XXXX stating that they are reporting as recently as XX/XX/2021. But I would really like to know how they are reporting to a deleted 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 2021-11-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is a written communication from a consumer or natural person pursuant to 15 U.S.C. 1692a ( 3 ).

I have discovered that Experian has been furnishing a consumer report which contains factual information and information alleging I owe debts that have not been verified.

Pursuant to 15 U.S.C. 1681a ( e ) it is a violation for any consumer report which is an investigative report, to contain any factual information.

Pursuant to 15 U.S.C. 1692g ( b ) the alleged debts in the consumer report furnished by Experian must be verified by a judgement from a court of competent jurisdiction stating that I owe a debt. Experian and or any other debt collector has not provided verification stating that I owe a debt.

I have not given any debt collector prior consent to communicate with me about any information that is in connection with the collection of any debt. Any person communicating with me about any debt is in violation of 15 U.S.C. 1692c.

Thank You.

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 2021-09-22
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We originally had a first mortgage with XXXX XXXX XXXX which was a major player in the collapse of the financial markets during the last recession, prior to that, In XXXX I applied for an equity line of credit with XXXX XXXX XXXX. During the housing crisis of XXXX I lost my job and was unable to pay my mortgage with XXXX  XXXX XXXX and XXXX XXXX. on XXXX I was able to acquire a loan modification for the first mortgage I was told that XXXX XXXX closed its doors and this account was reported as charged off as a forgiveness debt. I have NOT received any information, bill, or mortgage statement as to this debt until XX/XX/XXXX from XXXX XXXX XXXX [ EXHIBIT A ] stating they were my new mortgage servicer. I called XXXX XXXX XXXX and told them I understood this loan was charged off, she looked into the file and agreed it was no longer active and that it was sent by mistake. And Then I received one month later on XX/XX/XXXX a mortgage statement from Statebridge Company [ EXHIBITB ] declaring my mortgage payment is {$1300.00} a month but there is an over due payment of {$210000.00}. The original line of credit was for {$130000.00} I'm being charged interest for the loan since XXXX and have not received ANY information, bill, or mortgage statement since XXXX. On XXXX XXXX I sent a Qualified Written Request [ EXHIBIT C ], requesting a payoff and history of payment and explanation of this account and on XXXX XXXX I receive a loan history statement [ EXHIBIT D ] and I noticed an error on the loan history statement so I contacted the loan manager XXXX XXXX  to explain that they were charging for forced placed hazard disb. Then Yesterday XX/XX/XXXX I received notice of trustee sale taped to my door [ EXHIBIT E ]. As of today XX/XX/XXXX my home is now in foreclosure with a sale date of XX/XX/XXXX. Trying to deal with Statebridge has been very difficult I decided to apply for a loan modification even though I don't think that I owe this money knowing the payoff is wrong but because they filed a NOD XXXX XXXX I was scared that they would file a notice of trustee sale but they proceeded to file anyway without finishing the review of this account they say their investor is not willing to negotiate for a loan modification or any resolution except full payment when I spoke to XXXX XXXX  he says to send everything in writing because he has no knowledge of the previous account balance but he explained that his client/ investor is a new investor since XX/XX/XXXX when this account was transferred from XXXX XXXX to Statebridge XXXX We have lived in the home since XXXX and would do anything to keep it out of foreclosure. So I don't have any other options other than to contact you to help me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: SYNCHRONY FINANCIAL
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Received letter from " law firm '', stating they are collecting for an alleged defunct credit card. I am exempt from letters as such, as I am a XXXX veteran, battling 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 2023-11-01
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nelnet reported the payments I made towards my loan as a credit line decrease. I do not have a line of credit with Nelnet, I have a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hello, I wrote my first dispute on XX/XX/XXXX and did not receive anything back from XXXX  and Transunion. XXXX  sent me an incomplete letter ( which i know now it was a stall letter ). I now sent a second round on 5/30. However, they did not answer my first dispute and according to the Fair Credit Reporting Act that they had more than 30 days they need to delete the information on my credit report. This is hurting my credit worthiness. I do not want the credit bureaus sending a letter saying they are investigating when they have had since XX/XX/XXXX. It is nowXX/XX/XXXX and I have yet to receive anything else.

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 2022-08-12
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as they are fraudulent & was opened without my consent or knowledge XXXX  XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2023-11-23
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX while traveling overseas I was robbed my wallet was stolen money was withdrawn from my account and my bank card was used I suffered several injuries and spent the following day in the hospital I called my bank " chime '' to file a dispute and was told I can't I have to wait for the transactions to clear In my account so I waited once the money was taken I filed a dispute I included police report hospital report and every document needed the claim was denied I asked for a reason they told me they can't give a reason for another XXXX business days I was told I can file a rebuttal but the outcome would not change. I went online to see if others had this issue with chime and found it to be very common. The only way to get chime to actually send a reason and do a proper investigation is to file with fdic cfpb or hire legal services. I'm hoping to find resolve in the easiest way possible first.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNVFUNDG. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: Consumer Adjustment Company Incorporated
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account # XXXX Name : Consumer Adj Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} Resolution : Delete from credit report Account # XXXX Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Resolution : Delete from credit report These accounts was added to my account and I did not authorize for these companies to be added to my credit profile. I have completed a FTC report and sent a letter to these companies about deleting these accounts from my credit report. 

These companies are in violation of the law. According to 15 USC 1602 ( p ) The term " unauthorized use '' in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1681-permissible purposes of consumer reports. ( a ) general subject to subsection ( c ) any consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my credit report. 

Please delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: TN
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 sent a letter last XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX  XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX XXXXXXXX, TN XXXX, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5800.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00}, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, have all failed to update and or accurately report my personal consumer credit information has reported to them by the following credit card issuers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXX ), XXXX ( XXXX  ) and XXXX XXXX Bank. By law the aforementioned financial institutions must update regularly every month and have all done so has the process is automated. Unfortunately, the XXXX credit bureaus XXXX, XXXX and TransUnion, have all failed to honor their legal obligation to update my consumer credit report which has adversely impacted my credit score and ability to access credit in violation of the Fair Credit Reporting Act!

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 2021-09-30
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I started a dispute with National Credit systems on XX/XX/2021 and I was told 30 business days for a decision and update to be made. The date for it to be due was XX/XX/2021 and I have not received any updates regarding the dispute or a confirmation of the results. I have contacted them and they have been reluctant to provide additional information. They attempted to collect money from me while the dispute is open and the collection representative stated information about having law experience when I told them they were not following the guidelines put in place to protect consumers. They are not filling dispute guideline or the Fair Credit Reporting Act. I have been patient during this process but, I am currently in the process of applying for housing and this agency in reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Applied Data Finance, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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, 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. 

Personify Financial XXXX XXXX US Department of Education

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as they are fraudulent & was opened without my consent or knowledge XXXX  XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. 
Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX Bankruptcy : Bankruptcy XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : 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 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