BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX  and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-10-05
Company: EQUIFAX, INC.
State: MD
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. 
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 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 2023-04-16
Company: EQUIFAX, 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:
On XX/XX/2022 a credit card account XXXX XXXXXXXX XXXX was opened fraudulent under my name and the bank as well as the credit report agencies XXXX, Equifax and XXXX are falsely and and innacurately reporting such account as mine. Ive submitted a dispute to the mentioned credit bureaus and the bank under FCRA law with no answer and that false reporting is dammaging my credit report. 
The XXXX XXXX XXXX, already responded my claim and closed the account without perjudice to my report but the XXXX, XXXX and Equifax are still reporting the alleged account under my name, damaging my report and credit score by reporting an account that IS NOT MINE as the XXXX XXXX  already admitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between regional finance and XXXX XXXX XXXX and following companies see attached documents companies highlighted.

As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement.

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

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 2021-03-13
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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE ADDRESSES THAT ARE ON MY CREDIT REPORT THAT I HAVE NEVER LIVED AT OR BELONG TO A RELATIVE : XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX. XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX PLEASE DELETE THESE NAME VARIATIONS THAT ARE ON MY REPORT : MY CORRECT NAME IS 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 explanation
Consumer complaint received 2021-03-13
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:
XXXX XXXX XXXX XXXX XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my name only go by XXXX on driver lic and applications

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my several letters indicating that I am writing to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. I believe that I have been a victim of identity theft, and I am providing the following details for your attention : The following fraudulent accounts and inquiries have been reported on my credit profile 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 2023-04-17
Company: EQUIFAX, 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$8100.00}, XXXX XXXXXXXX Balance : {$7200.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00}, XXXX XXXXXXXX Balance : {$9400.00}, XXXX XXXX XXXXXXXX Balance : {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
this is the follow-up request for the following fraudulent items to be removed from the Credit report. My complaints are always ignored. Please delete these ASAP. 

XXXX : Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX TRANSUNION : Bankruptcy XXXX  XXXX Bankruptcy Case Number : 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 2021-03-13
Company: EQUIFAX, INC.
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:
After reviewing my credit reports. I found unverified accounts. I have never done business with any of these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification for the following accounts : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) The original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, 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: 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX added a collections to my credit report and the debt was already satisfied and paid off. I have plenty of proof to this claim as the IRS accepted my paperwork but XXXX XXXXXXXX is refusing to accept it which is also against the law they also added this to my report without my permission or consent 15 USC 1681 permissible purposes of consumer reports states that they need WRITTEN consent from me to add this 15 USC 1681c requirement pertaining to information contained in consumer credit reports may not add any adverse item to me report!! Why are they allowed tk do this without any consequences. This is disgusting. I want this removed off my report IMMEDIATELY

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 2023-03-23
Company: Village Capital & Investment LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Below is a continuation of the initial complaint first submitted and closed. 

The reason surrounding the hazard insurance discrepancy was at no fault of my own. Village Capitol had confusions at the refinance. This caused them to have an oversight and not pay the borrower assigned hazard insurance. As a result, they placed Forced Placed their insurance. This was during the peak of XXXX which heavily impacted my family resulting in a XXXX XXXX  and XXXX XXXX  I needed my mortgage company to perform as expected and they did not. Their inability to properly service my account lead to undue financial stress and frustrations. I now suffer an increased hazard insurance premium and the delayed analysis caused extreme payment shock. The reason relayed as to why they did not analyze my account does not excuse them from properly servicing the loan and being noncompliant with the RESPA guideline. I am not happy with the path of resolution given. Sine they will not spread my shortage over the 60 month term requested. I do not find it to much to as that they spread the shortage over 36 months. Doing so will keep me out of delinquency in a time when inflations are at an historical high.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: AR
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:
In XX/XX/2018 I disputed a account with all three credit bureau, XXXX, Equifax and XXXX. All three credit bureau responded back saying the account was verified and accurate. The alleged account is XXXX # XXXX. Well I come to find out that the account was sold to a outside agency. well in XXXX I sent a certified letter to the new owner of the account which is XXXX XXXX. I have attached the copy of the letter that was sent to XXXX XXXX. they refused to respond to my letter dated XX/XX/2018, I also attached the certified mail receipt to show they received the letter on XX/XX/2018. But they failed to respond to me. I am a consumer and I have rights under the FCRA. and they have been violated, due to XXXX XXXX not responding to me in 30 days. I have all rights to see information and original signed contract from the original creditor. they have failed and refused to send me any documentation. This item needs to be removed asap,,,, or I will file suit,,, I also contacted the original creditor XXXX XXXX by certified mail and they failed to respond to me also,, I have attached a copy of the letter I wrote to XXXX XXXX and certified mail receipt showing I sent XXXX XXXX and they received the letter on XX/XX/2018.both the original creditor and the new owner of the account both failed and refused to respond to me the consumer within 30 days and all three Credit Reporting Agency are reporting unverifiable information this is against the law and the FCRA. This account need to be removed asap or I will file a suit with the federal court,, I did my part as a consumer by writing both the Original creditor and the new owner of the account and both partied failed and refused to respond to me within 30 days and I have the letters that was written to both of them and the proof they received the letter ... this is not a dispute of information on my report, THIS IS A DEMAND THAT THIS ACCOUNT XXXX XXXX XXXX  XXXX  ACCOUNT BE REMOVED ASAP, ,AS FOR MY RIGHTS UNDER THE FCRA HAVE BEEN VIOLATED,, BOTH PARTIES FAILED AND REFUSED TO RESPOND TO ME WITHIN 30 DAYS I AM ENTITLED TO XXXX FOR VIOLATIONS. I HAVE ATTACHED COPIES OF THE LETTER THAT WAS SENT TO BOTH PARTIES THE ORIGINAL CREDITOR XXXX XXXX AND THE NEW OWNER WHICH IS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : 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 2021-03-13
Company: Nelnet, Inc.
State: MO
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:
The goverment has closed my account in wrongful standing and are in violation of my fair credit reporting act. I will seek max penalties if possible due to this. I am currently trying to move but have a history of paying 120 days past due to my ONLY closed Student loan wich is entirely falsified documentation of me and my payment history reported to all 3 reporting agencies. I have always contacted them to be in good compliance with the loan before the wrongfully just took my taxes without notifing me in mail that they were not aware of me being in compliance. Please remove the negative remark of being late on payments or place unknown on the account.

Company response to consumer: Closed with explanation