BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX TransUnion LLC Consumer Dispute Center P.O. XXXX XXXX XXXX, PA XXXX Dear TransUnion, I have contacted you via phone and certified mail numerous times in regard to this issue that has remained unresolved. There are two inaccurate late payments reflecting on my XXXX  credit report : 1 : XXXX XXXX Account # : Ending in XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # : XXXX Date : XX/XX/XXXX I have provided you with documents from both XXXX XXXX as well as XXXX XXXX XXXX and the errors continue to remain reporting inaccurately on my Credit Report. I have sent these exact documents to XXXX  and XXXX  and they were able to update my file almost immediately. As I am aware that you have full access to my credit file, you will see that I have never made a payment late ever in my life. My credit is extremely important to me and I make it a point to ensure I stay on top of my credit file. I understand mistakes do occur, but this should have been corrected months ago. According to the Fair Credit Reporting Act section 623 ( a ) ( 3 ), you are required to investigate claims of inaccurate information, and when information is proven to be inaccurate, correct the mistake. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have had well over 30 days to complete this investigation, and I am keeping careful record of your actions. My next step will be filing a complaint with the FTC. Failure to respond satisfactorily will result in a small claims action against your company. 

Thank you for your time and help in this matter.

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my XXXX request to Transunion and they have not resolved the outstanding problem which is that I am a victim of identity theft and these inquires were not made by me. I have submitted a fraud report in which I have attached here. There were numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. The previous response from transunion does not address the outstanding issue that I am victim of XXXX and I did not authorize any if the following companies to run my credit. Please remove these accounts immediately and see the fraud report that has been attached. 

XXXX OF XXXX XX/XX/23 XXXX XX/XX/23 XXXX AUTO XX/XX/23 XXXX XXXX XX/XX/23 XXXX FIN XXXX XX/XX/23 This was the company 's response from my previous complaint. The company did not properly review my complaint nor did they properly investigate my claim of fraud. Please see the company 's response below. 

" XXXX 's XXXX " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute regarding the inquiries appearing on your report, we sent you a letter to explain inquiries remain on your report for XXXX years and if you believe it was made without permissible purpose, you XXXX wish contact the company directly.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2020-12-29
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have two prepaid visa gift cards that l'am have trouble getting replaced. Some charges were made with out my authorization. the first charge I made later to find out the company was a f fraud.for the amount of {$190.00}. I contacted the company by email to see if the could help. They said I need to fill out a complaint form and I did with all the required paper. Which I know is my fault but wanted to see if they could help. But in the meantime another charge was made without my consent or the sum of {$140.00} .I recontacted the company filled out paperwork emailed it back to the company with all the documents they wanted they said it could take up to 90 days which I understand well the 90 days is coming gone. I have received several emails saying the case has been closed that I should receive the cards in the mail in 15 days that has come and gone. I also have a credit card that had a balance of {$8.00} on it that was removed also without my consent and when I contacted the company filled out more paperwork for that card and got the same results 15 days. I have a lot of emails from this company but I can't upload everything because it's only 10 MB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, This is a follow up to a dispute I submitted XX/XX/XXXX of last year ( XXXX ). The issue was never corrected. I am in the process of refinancing my loan and my lender noticed a 30 day late reporting in XX/XX/XXXX from SLS. Despite receiving a letter from the servicer stating the issue was corrected on XX/XX/XXXX the payment wasn't reapplied until XX/XX/XXXX. My auto pay should of been reinstated in XX/XX/XXXX however it was not completed as my loan was still showing past due. When I was with SLS I had set up bi weekly auto pay. Half of the payment was made on the XX/XX/XXXX of the previous month and the other portion to complete the payment in full was scheduled for the the XX/XX/XXXX of the current month. This was an option offered by one of their representatives. This was set up for several month with out issue until they decided to start applying the payment made on the XX/XX/XXXX to principle causing the loan to report past due. Based on receiving a response to my initial dispute I trusted the issue would of been resolved.Due to this mistake I am now unable to refinance my property at the rate I should qualify for. I called SLS today XX/XX/XXXX and they submitted a request to have the credit reporting corrected but refused to provide me any documentation for me to provide the lender I am trying to go through to refinance my loan. They said it can take up to 30 days for them to complete the request and another 30 days for my credit to reflect the correction. I am requesting SLS take accountability for their error and expedite the process to correct my credit reporting or lower my interest rate to what is being offered from me completing the refi.

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Since pulling a copy of my Consumer credit report 1 year ago, I noticed that this credit reporting agency was and still is in multiple violations and I am entitled to monetary compensation Under FCRA United States XXXX XXXX XXXX XXXX. XXXX ( XXXX ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the noticed under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 

For the better part of a year, this agency stalled, neglected to respond, and failed to provide me with proof of in detailed actions ( signed contracts, itemized bills, etc. ) taken by this agency to verify the debt from the creditor, Resulting in an unbearable financial impact on me and my family and inability for me to qualify for a home loan. I have kept proof of every letter sent, the XXXX this agency did not respond, did not comply with proper deadlines and receipts of the financial burden this has caused me while disputing these inaccuracies. 

I myself have been able to spot inaccuracies, fraudulent reporting and even cycled ( cycling back and forth the debt under XXXX subsidiaries owned by the same company ) and doubled reporting by a certain collection agency on my credit report. 

I've also noticed the following XXXX. Lack of Validation : I have not been provided with sufficient validation or verification of this debt as required by the FCRA. I demand this be removed since you have failed to provide detailed information validating the debt, including the original contract or agreement with my signature, proof of the debt 's ownership, and documentation illustrating the chain of ownership. 
XXXX. XXXX XXXX : The reported charged-off amount and related dates do not accurately reflect the account 's history. There are discrepancies in the reported amounts and timelines, which contradict the actual details of the account. 
XXXX. Compliance with XXXX XXXX : The reported information does not comply with the FCRA 's reporting guidelines. There XXXX be violations in reporting this information, leading to inaccuracies on my credit report. 
XXXX. There is a fraud alert on my account since 2018 where proper documentation had been provided at the time to protect my identity.

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 2023-10-28
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Truist Bank is reporting a settled account inaccurately from five years ago. The account shows {$3400.00} balance when the amount was mutually settled in 2018. Truist reports the amount to XXXX as open and no XXXX balance per agreement. It is inaccurate and should be deleted per the FCRA and my scores with XXXX should be updated. The notation should be PAID AS AGREED and no further credit reporting to any agency. 

These items were also disputed during Covid and Truist illegally sought to collect these items after they had been paid and agreed. Call logs with XXXX & XXXX XXXX years ago were not updated during the merger.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/2022

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX Experian supposedly open and began the investigation for a letter of dispute I had mailed along with drivers license, proof of address, and power of attorney. I had numerous items on the letter that I requested to be investigated which included Bankruptcy. On XX/XX/XXXX, Experian claimed they completed investigation and sent the results. It appears that they only investigated few of the items on the letter and not all. They didnt even investigate the Bankruptcy as requested. I called on XX/XX/XXXX and asked why no one investigated the Bankruptcy and other numerous items on the letter and was told that either they were not sure or they didnt see a request for an investigation for the Bankruptcy. This is impossible because it was clearly put in the letter to please investigate the Bankruptcy as requested. This is a violation and because they ignored the request by law then the Bankruptcy must be removed.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Select Portfolio Servicing has been trying to steal my paid-for home. Select Portfolio Servicing has been harassing me under different bank names and charging me bills on my paid-for home. This company hired attorney XXXX XXXX XXXX who committed mortgage fraud. I paid the entire mortgage from XXXX XXXX and have a recorded satisfaction on file with the county of XXXX. First, they tried to steal my home through XXXXXXXX XXXX and again through XXXXXXXX XXXX. I never did business with any of these banks. I have had enough today ; someone came to my door representing the bank and said to me, you XXXX XXXX don't like paying your bills anyway, give us your house. XXXX XXXX does not exist. 
XXXX XXXX XXXX, XXXX. is a foreclosure Factory. It is XXXX XXXX largest foreclosing law firm. If you live in New York and are in foreclosure, then there is a very high chance that the foreclosure law firm suing you is XXXX XXXX XXXX, XXXX, located in XXXX, New York. Over the past several years, the XXXX XXXX XXXX has become one of the largest foreclosure factories in the country, representing dozens of banks in foreclosure cases. 
Last year they filed a staggering XXXX foreclosure lawsuits, which comes out to about 50 a day. Many of the foreclosure cases we defend for our XXXX XXXX clients were brought by XXXX XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquaries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: EQUIFAX, 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation